Originally Posted by PapoZalsa

Also do a search online, must FCU only requires that you open an account with them with a minimum of $5.00.

I always get a pre-approved loan before I go to buy a car. That way the stress is way less than to having to deal with the Finance Department that most of the times will try to screw you unless they have a good APR already advertise by the manufacturer.

Some credit union have low rates but for short period of months. The APR will depend on the months you are planning to finance and your credit report. Try to do all your loan application the same day that way your FICO score don't suffer.

For example USAA will send you a pre-approved (blank) check and all you do is take it to the dealer.



For example in my area:

USAA - 3.99% APR 60 mths
Navy Federal FCU - 2.99% APR 48 mths
NWS FCU - 3.75 APR% 60 mths

GL with your new purchase!