Which credit union?
#1
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Which credit union?
For those who have done refi or financed their cars through a credit union and have done so in the fairfield/vacaville area...please tell me which one, your expierence, and overall general satisfaction from the beginning to how it is currently....im trying to find a credit union to see how much i can refi my car for...01 RS $4150 is owed on the car, its just me with 8.95% financing on it for 36mo and just about paid off. also whats one of those sites where you enter info and the banks compete for u? thanks!
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ive had great service from travis credit union. when i was trying to get my loan they tried every possible way to get me approved. Since i didnt have any credit back then it was kind of had to get a approved for $13,000. The lady worked at if for an hour and a half and got me the loan with a 4% interest.
#4
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damn dude
well i think ill head on over to travis and see how it goes then
shouldnt be too bad with only 4k owed and 36mo is the lowest i probably can go
well i think ill head on over to travis and see how it goes then
shouldnt be too bad with only 4k owed and 36mo is the lowest i probably can go
#5
Originally Posted by flipmode
ive had great service from travis credit union. when i was trying to get my loan they tried every possible way to get me approved. Since i didnt have any credit back then it was kind of had to get a approved for $13,000. The lady worked at if for an hour and a half and got me the loan with a 4% interest.
#7
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you're down to $4150 and you want to refi?
What was your original loan amount?
When did you originally get the loan?
Chances are you have paid a lot of your interest as less principle is being paid and more interest is being paid when you first get your loan.
If you refinance your car you're gonna start all over...
What was your original loan amount?
When did you originally get the loan?
Chances are you have paid a lot of your interest as less principle is being paid and more interest is being paid when you first get your loan.
If you refinance your car you're gonna start all over...
#8
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i actually owe 4600...i got it to 7.14% for the refi...i just wanted to start over with a credit union i wanted to go for when i get my sti loan and have some history with them
#9
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nevAr deal with GOLDEN 1NE!
they sux like darrell and html.
we had my wife's car financed thru them and had two bank accounts (main checking & savings) and we got rid of them ALL!
fees suck, customer service is aweful!
if you are lucky enough, a cool teller will give you the inside scoop on how much they suck!
(it's pretty bad when the people that work there tell you how much their company policies suck right there at the counter!)
steer clear of Golden One!
i've heard good things about Schools CU (my mom financed her Audi thru there and my sisters tahoe).
they sux like darrell and html.
we had my wife's car financed thru them and had two bank accounts (main checking & savings) and we got rid of them ALL!
fees suck, customer service is aweful!
if you are lucky enough, a cool teller will give you the inside scoop on how much they suck!
(it's pretty bad when the people that work there tell you how much their company policies suck right there at the counter!)
steer clear of Golden One!
i've heard good things about Schools CU (my mom financed her Audi thru there and my sisters tahoe).
#10
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Originally Posted by maddhatteroo7
i actually owe 4600...i got it to 7.14% for the refi...i just wanted to start over with a credit union i wanted to go for when i get my sti loan and have some history with them
#12
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right, but in the begining of a loan you are paying more interest and less principle
Towards the end you are paying more principal and less interest.
By refinancing he is back to square 1 and back to paying more interest and less principal.
Towards the end you are paying more principal and less interest.
By refinancing he is back to square 1 and back to paying more interest and less principal.
#14
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Originally Posted by BAN SUVS
If he keeps the same number of payments, doesn't borrow any extra, and gets a lower interest rate, how do you figure he's losing money?
when you move over to a new bank, you start this process over again. After you have paid a few years of a loan to a bank, you are paying mostly the principle now