Car loan recommendations?

[latintrpt]

I'm looking to buy a used 2008 Audi S5 and was wondering what car loan places you recommended? I tried local credit unions and they weren't really that helpful.

Any recommendations?

[CONTROL ONE]

Too bad you don't live here, I finance cars. That being said, I'd try your local State Farm office.

[eddiecut]

Hmmmm credit unions are the EASIEST to work with... is your credit bad?

[latintrpt]

it's between 686 and 705. So not terrible. A credit union in Wisconsin gave me an interest rate of 8%. I was like no way. I'm not a member so does that make a difference?

[audia]

Use your 401k?

[latintrpt]

I have a 403(b) and is that really a good idea? lol

[audia]

6% interest plus loan processing fee. Doesn't sound too bad for a used-car loan.

[S4jet]

Talk to Jonny on da conna. He'll get ya what ya need.

[schmally]

If you are having problems getting financed at a good rate then you prob dont need that much car.

[Alkivar]

At your credit score you're in B Credit territory. A Credit requires a score over 720. So that's part of the issue, also the longer the term of the loan, the higher the rate.
Most credit unions require you to be a member with at least a $500 checking/savings balance for at least 6 months before they will loan you more than $25,000

Rates for B credit at my local credit union (Rainbow FCU):
48 months 5.00% APR
60 months 5.25% APR
72 months 6.25% APR
84 months 7.50% APR

Loans exceeding MSRP/NADA or extended terms must carry GAP Plus coverage

oh and anything newer than 5 years with less than 20,000 miles classifies as "new car loan"... anything older or higher mileage classifies as "personal loan"