- Centurion Member
- Posts: 1468
- Joined: Tue Jul 31, 2012 12:20 pm
- Location: United States
I disagree with all of the CU-focused talk. By all means, explore them, especially if you're already a member, but I got my best rate from Chase. I shopped 9 different loan options (some twice through different avenues) before deciding. That counted for 17 total inquiries across all three reports. (All but 4 of those inquiries - the ones on Experian - have been "disappeared.") The dealer was able to get me 0.8% lower interest through Chase than I could get myself, even with 0.75%-worth of discounts for autopay and premier relationship status.
And, the #1 reason for actually applying at various places and taking the inquiries - the rate I actually got was almost 80% lower than the highest rate I was offered. That saved me over $6700 over the life of the loan. And, you never know what you'll get until you actually apply.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]