With the interest rate being high. where is the best place to get the best deal. Most places are asking for 8% at least

 

some times if you belong to a credit union they offer good rates, like patelco. I have no experience with a credit union but its worth a try.

 

Subaru itself has some pretty good rates that meet or beat credit union rates if you have a credit score of 700+

http://www.cars101.com/subaru/rebates.html#rates

 

You might also PM member Salty. He sponsors the Suby Shopping sub-forum on i-Club and other members report being happy with the terms and deals he was able to come up with for their cars and other loans.

--
0==WW==0
"…axles of evil…" - george w. bush

 

+9 for credit unions

 

+1 Patelco. Very easy to work with.

Interest rates may vary depending on your FICA score (credit score). The lowest advertised rates are usually for those with "good" credit.

 

given a 700+ fica score.. subaru has a 2.9% apr going on rite now for auto loans.

 

credit unions are awesome, got 5% on a 60 month for private sale used... pretty tough to beat.

 

Which CU do u use? and which are good and hassal free....

 

dude, Credit score is going to have a greater impact on what rates you can get, than which place it's at. You should start by checking that.

 

When you apply for a loan, like Patelco, they run your info and check your score. If you do a walk in they can even tell you your credit score! Here's the thing everytime you apply for a loan all that stuff shows up on your history. You don't want to much of that kind of history!

 

i got mine through TechCU, interest rates are actually kinda high right now, unless you are going through a dealer with a promotional APR (ie 2.9 through subaru), you likely wont see below 6% on new cars, 7% for used

 

This is very true. If your scores are good and you are thinking of 5-7 year loan I think it's almost always better deal to finance through dealer than go slightly used.

It's like this with cars, but especially with motorcycles, since they don't depreciate much in absolute value dealers can offer you crazy good incentive to buy new instead of used.

 

I just paid off my car loan with a 0% credit card

 

haha, we think alike. I had planned on paying off a motorcycle loan in 1.5 years. I applied for the 0 payments 0% interest for 6 months from the dealer, put 16k on the card, then after 6 months transfered the whole balance to a 0% 12 months deal.

...too bad I'll eventually run out of these introductory offer specials...