Auto Refi Options

agcrock2005

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9:33p, 10/29/24

AG

Just bought the wife a 2023 Expedition with 10K miles on it. Got some incentives to finance with them at 7.2%. What are some options on finding some better rates to refi at? I did lendingtree to see and saw Auto Approve at 5.9% but don't know much about them. Legit company?

PrestigeWorldwideAg12

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10:05p, 10/29/24

NFCU is lower than that

Flaith

Joined: Feb 23, 2005

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8:08a, 10/30/24

AG

https://www.bankrate.com/loans/auto-loans/rates/

Some options in the mid-5% range

agcrock2005

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In reply to Flaith • 9:46a, 10/30/24

AG

Flaith said:
https://www.bankrate.com/loans/auto-loans/rates/

Some options in the mid-5% range

I went through this process and ended up back at Auto Approve again...and with a **** ton of phone calls!

2ndChanceAg96

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10:36a, 10/30/24

AG

Look at credit unions. They have been giving folks lots of incentives.

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agcrock2005

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In reply to 2ndChanceAg96 • 10:53a, 10/30/24

AG

Thanks. That's what I'm doing now. I unsubscribed from the dozen people that contacted me through lending tree and bankrate.com and am signing up with EECU after talking to a banking friend.

2ndChanceAg96

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In reply to agcrock2005 • 11:17a, 10/30/24

AG

Yeah, and for anyone wondering I have seen competitive rates, with $200-$250 cash back and 60 days no payment. All you really have to do is open a $25 savings account. Then you have a CU membership as well which can usually come with perks.

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Teslag

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In reply to agcrock2005 • 12:03p, 10/30/24

AG

Also, you don't have to wait 90 days or whatever to keep your incentives. You can refi immediately. It just takes the kickback from the dealer.

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aggiepaintrain

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1:34p, 10/30/24

AG

EECU's reviews are horrid

I'd keep looking

Navy Federal looks better IMHO

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GMA3748

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2:12p, 10/30/24

AG

United States Senate FCU has come through for us time after time rate-wise. Give them a look.