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Good afternoon all
So, USAA just pre approved me for the auto loan amount I asked for, $63k with a 4,04% interest rate after a .25% discount for 60 months. I was wondering in todays rates as they all have gone up if anyone thinks NFCU or Penfed could beat that rate? I know profiles are different as well as the bureu that will be pulled. I have about 20yrs of history, multiple auto loans paid off, one missed payment 5 yrs ago on my Discover..still pissed about that!! My scores are are all mid 700s auto enhanced with Fico 9 slightly higher but not by much. Utillization is roughly 30% right now,that will drop the end of the month when they report. My DTI is at 20% on $90k income.
I am actuay pretty content with this rate...just curious what ya all think if its worth going through the back and forth if its not a instant approval with the banks to save maybe another .25% interest?
@rileydude wrote:Good afternoon all
So, USAA just pre approved me for the auto loan amount I asked for, $63k with a 4,04% interest rate after a .25% discount for 60 months. I was wondering in todays rates as they all have gone up if anyone thinks NFCU or Penfed could beat that rate? I know profiles are different as well as the bureu that will be pulled. I have about 20yrs of history, multiple auto loans paid off, one missed payment 5 yrs ago on my Discover..still pissed about that!! My scores are are all mid 700s auto enhanced with Fico 9 slightly higher but not by much. Utillization is roughly 30% right now,that will drop the end of the month when they report. My DTI is at 20% on $90k income.
I am actuay pretty content with this rate...just curious what ya all think if its worth going through the back and forth if its not a instant approval with the banks to save maybe another .25% interest?
My experiences with USAA has always been whatever dealership I am dealing with will beat their rates.