i want to buy a used truck from a private party - Ford Powerstroke Diesel Forum
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post #1 of 9 Old 03-15-2013, 12:27 AM Thread Starter
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i want to buy a used truck from a private party

where or who should I go through for a loan? I am just trying to find a reputable place to get a loan, with decent interest rates. Can anyone point me in the right direction? Thanks ahead of time..

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post #2 of 9 Old 03-15-2013, 12:49 AM
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where or who should I go through for a loan? I am just trying to find a reputable place to get a loan, with decent interest rates. Can anyone point me in the right direction? Thanks ahead of time..
Credit union. I have used 3 different credit unions in the past. Got my wives Hyundai at 2.49% and my truck at 3.25%.

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post #3 of 9 Old 06-25-2013, 09:37 PM Thread Starter
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any other input?

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post #4 of 9 Old 06-26-2013, 02:56 AM
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Like Big Laing said, credit union, I use Georgias Own and they have beat the socks off of the rest and they treat me better and offer way better service than the bank I have been with for 30 years, credit union is the way to go.

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post #5 of 9 Old 06-26-2013, 04:07 AM Thread Starter
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How does it work with a credit union? Do you have to have an account with them, or???

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post #6 of 9 Old 06-26-2013, 04:13 AM
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I can only speak for the one I use but yes, open a checking account with $5 in it and they will process your loan. I opened my account and got a loan in less than an hour and they didnt know me from Jobs' turkey. Thats why Im leaving my "hometown bank".

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post #7 of 9 Old 06-26-2013, 04:34 AM
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just shop around, credit unions are usually best for loan, but try your bank too. might be able to get a good loan. never heard to shop around for the best deal.
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post #8 of 9 Old 06-26-2013, 07:01 AM Thread Starter
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ok i will check them out. thanks for the heads up!

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post #9 of 9 Old 06-26-2013, 07:25 AM
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I had talked with my credit union and they had agreed to 1.75% for a 2 year old hyundai for my wife. While buying the car, the finance guy said that I had a great rate but then he asked me to give him a chance to beat it. He called around and wound up getting me 1.7%....from another credit union. So yeah, credit unions are the way to go. Also, they will usually lower your rate if you set up some kind of payroll deduction into the account where your payments are being drawn from. That may be good for another quarter or half percent.

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