Anybody have any experience with Sperry FCU as a credit union or with their auto loans?
I spoke with a rep over the phone just to pick her brain on their Auto loan qualifications
Top tier is 740+ I want to say the rep said it was 780+ but the website does say 740 in the smallprint
They pull Experian
I asked if they were conservative lenders. She said she didn't think so. Side note: when I asked Penfed the same they told me they were a 5 on a scale of 1-10 with 10 being the most conservative. Needless to say, I laughed. Consumers CU told me they were an 8.
They will lend to a maximum of 50% DTI including the auto loan. (Not sure how true this is, most likely on a case by case basis)
Pre-approvals good for up to 60 days on a case by case basis, generally 30 days.
I have a preapproval with Penfed but I may take the plunge with Sperry for the lower rate, just can't seem to find any reviews on their auto loans.
Pretty good rates; the lowest rate listed is for the direct deposit. Never heard of them prior to doing research.
|New Vehicle Loan||up to $150,000||24 Months||1.75%||2.00%|
|up to $150,000||36 Months||2.40%||2.65%|
|up to $150,000||48 Months||2.50%||2.75%|
|up to $150,000||60 Months||2.50%||2.75%|
|up to $150,000||72 Months||2.80%||3.05%|
|up to $150,000||84 Months||2.25%||2.50%|
|Used Vehicle Loan||up to $150,000||24 Months||2.25%||2.50%|
|up to $150,000||36 Months||2.60%||2.85%|
|up to $150,000||48 Months||2.70%||2.95%|
|up to $150,000||60 Months||2.85%||3.10%|
|up to $150,000||72 Months||3.00%||3.25%|
what kind of review do you need? you are complicating an easy thing..here's the rate, here's your payment, heres how many payments you have to make. pay your bill each month on time and you never hear from them...whats the issue? i never get on here why people worry about their lender...just pay the bill on time and there's nothing to talk about.it's a lender, not your girlfriend/boyfriend!