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  #31 (permalink)  
Old 03-22-2020, 02:59 PM
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Originally Posted by iChapal View Post
About Alliant, I have 45 days to close the loan and they will extend it for another 15 days if need more time. Also, alliant has a car finder service and if you use that to find the car they will give you additional .50% off.
Interesting...
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  #32 (permalink)  
Old 03-23-2020, 08:10 AM
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Originally Posted by theSkeptiks View Post
I've got 3.4% on a 5 year loan with PenFed for my G.
Got a second loan for my P-car with PenFed for 3.99% for 3 years.

Not sure why my second loan that was for less money and for less time and on a less expensive car had a higher rate, but it's minimal.

I love PenFed...look into them.
Does PenFed go over 100K?
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Old 03-23-2020, 09:37 AM
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Originally Posted by squid267 View Post
Does PenFed go over 100K?
Hi. Not sure.

My two loans with PenFed were well below that $ amount.

I think the loan for the Lamborghini was about $32,000, and the loan for the Porsche was $20,000.
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  #34 (permalink)  
Old 03-23-2020, 10:04 AM
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Originally Posted by squid267 View Post
Does PenFed go over 100K?
They do not. It's a shame too, because they are the easiest lender I ever worked with.
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Old 03-26-2020, 07:26 PM
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Do you know if Alliant allows Montana LLC?


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  #36 (permalink)  
Old 03-26-2020, 07:38 PM
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Originally Posted by DarrinB View Post
Do you know if Alliant allows Montana LLC?


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I've never heard of anyone going the Montana LLC route without paying cash. Don't think any bank will finance that.
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Old 03-27-2020, 08:34 AM
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Originally Posted by Jr Mint View Post
I've never heard of anyone going the Montana LLC route without paying cash. Don't think any bank will finance that.

Yeah, I thought to go the Montana LLC route it couldnít have a lien holder. The only car Iíve done with a MT LLC I paid cash for.


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Old 03-28-2020, 09:15 AM
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I thought about the montana route but I feel like its not worth the risk, my state has a one time tax on the purchase of the car and thats it. I know some states you pay every year according to the value of the car and that can add up fast, so I see it being worth it for those people.
BTW does anyone know what the deal is with Delaware? I notice alot of aircraft are registered in delaware. Not sure if its just an aviation thing or if there are tax advantages on high ticket items.

Also i keep hearing people talk about how money is basically free at this point so its a great time to buy an exotic, but the rates still look the same as they did 2 weeks ago.. Anyone predict rates taking a dive anytime soon?
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Old 03-28-2020, 06:19 PM
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Originally Posted by AntsLambo View Post
I thought about the montana route but I feel like its not worth the risk, my state has a one time tax on the purchase of the car and thats it. I know some states you pay every year according to the value of the car and that can add up fast, so I see it being worth it for those people.
BTW does anyone know what the deal is with Delaware? I notice alot of aircraft are registered in delaware. Not sure if its just an aviation thing or if there are tax advantages on high ticket items.

Also i keep hearing people talk about how money is basically free at this point so its a great time to buy an exotic, but the rates still look the same as they did 2 weeks ago.. Anyone predict rates taking a dive anytime soon?

Auto loan rates usually change at the beginning of the month, or at least thatís how all of my local credit unions do it anyway.


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  #40 (permalink)  
Old 04-02-2020, 01:47 PM
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Quote:
Originally Posted by Jr Mint View Post
Not a bad deal or 84 months. Would probably save a full point by going 72 months.
Alliant is the credit union that took care of me. 4.5% for 84 months and 190k loan is a very good deal in my opinion. They didn't even require income verification. They based on my credit history and score.
I joined hoping I could skip the tax return collection edition, lol, but they asked it of me. Geesh. Guess it only happens in certain circumstances, not everyone.
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