All:

I saw some postings about people going to www.peoplefirst.com to apply for their low rate loans (5.49% for 60 Month). While it looks good I noticed some small print (for example higher rate for calling in, higher rate for no EFT).

I've used the follow bank for past loans.
It is an actual bank (actually a credit union).
It is located in Gainesville,FL (GO GATORS!)

The banks name is Campus Credit Union

Rates as low as 5.75% for 60 Months (only about $5/Month difference versus www.peoplesfirst.com).

Check them out... I am going to use them...

CAMPUS CREDIT WEBSITE:
http://www.campuscu.com/ASP/home.asp

RATES FOR NEW CAR LOANS:
http://www.campuscu.com/ASP/rates.asp

DETAILS ON HOW TO APPLY:
http://www.campuscu.com/ASP/Products/product_1_2.asp

Regards,
Sam Rubin
Atlanta, GA
samiam@sammythebull.com

350Z Black Touring
All Options Excpet for Navi.

 

What's EFT?

 

Electronic Funds Transfer. They pull the cash directly out of your account, no check writing. Which also means you better have the cash in the account!

 

Just FYI PeopleFirst is owned by Capital One which is a major credit card company/financial institution.

 

Electronic money transfer is the easiest and most convinient way to pay bills. I would not use anything else. You don't have to worry about paying late. You don't have to purchase postage stamps, writing checks or having payments lost in the mail.

 

also checkout etrade financials I got a better rate then eloans, 5.92 with electronic transfer from an etrade a/c, 6.19 otherwise for 60 months

 

my credit is good no lates but some high balances that i recently paid off when i refied my house and my becon score is in the lower 6's so i dont qualify for the low low rates.. so i went to my credit union Tropical Financial and after taking 3 wks finally approved me at 8.15% ok not great so one of the guys at work said try lending tree.com and i did with in the hour 3 banks approved me americredit did 1st with 16.99 i laughed told them not to bother e mailing me any more and the other said they dont do sports cars haha
and a half an hour later PEOPLE 1ST E MAILED ME and said the magic words your approved at 6.99% so how ya like me know...
so if your not perfect try em and you to can be happy
craig

 

Everybody gets different rates I think based on their situation, I got 4.89 with eloans with electronic transfer and 5.39 without. Just get your best rate and see what the dealer can do to beat it.

 

I got a 5.49% interest rate from peoplesfirst.com myself..... I'm 24 and have a credit score of 701. I worked my butt off for that score. Never late, always pay.

I applied on a Saturaday night. Got a call Sunday belive it or not saying I was apporved. I liked it.... the check is in the mail and should be here any day now. Can't wait for my Z to come in.... Supposedly September 19th is my delivery date as of a week ago... I hope it comes earlier... That would be GREAT!!!!!

Silverstone Performance............. just waiting to be driven!!!!

 

I checked Peoplefirst and it looks like the 37-60 rate has been lowered to 5.24%. I checked the Costco website and the rate is the same now.

 

Hey Chris...

Where in CT are you from??? And where did you order your Z?

I live in Danbury

 

where did you see this? still at 5.49 per
http://www.peoplefirst.com/pff/site_...ates_terms.cfm

where did you see 5.24?

michael

 

I got approved from PeopleFirst through COSTCO for 4.50% for 36 mos. I also have excellent credit (near 800). It appears COSTCO is a 1/4 point lower across the board.

 

Hey MattyZ,

I live in West Haven... I got my car from Executive Nissan in North Haven, CT... Silverstone Performance.....

What did u get... If you get one, maybe we can hook up and check these Z's out side by side.... chris@pcbydezine.com is my email if you want to contact me... Talk to you later dude......

I can't wait....