In the market for a new vehicle, if I don't go with a vehicle that has some type of promotional financing does anyone see any good deals to be had out there? Lowest I'm seeing is PenFed which is 4.39% for 48.

PenFed was the lowest when I shopped last year, until Ford offered 0%.

Ford has 2.9% for 72 or 84 months on F150's

We have a Land Cruiser coming in sometime in the next week and got 3.99% for 48 months at Shell Federal CU. Toyota asked for a chance to beat it, but the best they would do on the LC was 4.99%.

Credit union around mid 4's is best you can do most likely unless it's a random for or gm type of promotion. We just got a new 4runner and Toyota couldn't come close to matching our credit union.

TexAg2001 said:

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We have a Land Cruiser coming in sometime in the next week and got 3.99% for 48 months at Shell Federal CU. Toyota asked for a chance to beat it, but the best they would do on the LC was 4.99%.

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Same for my refinanced Tesla, and I got $250 back as well.

Yep, we got the same $250 cash back. They also offered to defer 1st payment 90 days (we declined) and 2 "skip a pay's" per year.

We picked up our Land Cruiser yesterday and it was the smoothest car buying experience we've ever had. We were in and out of the dealership in about 20 minutes. All costs/options, financing, etc were worked out via email beforehand.

3.65% for 60mo at Brazos Star Credit Union in College Station

woodometer said:

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3.65% for 60mo at Brazos Star Credit Union in College Station

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Looking more into this, I think that's the best so far.

Upon further review, to be a member you have to be in Brazos county or an immediate neighboring county. Unfortunately I think we're about 3 over so this would not work for us.

Tesla has 0.99% on model Y currently. Just bought one waiting for it to be delivered. Sucks that interest rate only good for financing 6 yrs, try to go 4 or 5 and jumps to 6%

Reel Aggies said:

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Tesla has 0.99% on model Y currently. Just bought one waiting for it to be delivered. Sucks that interest rate only good for financing 6 yrs, try to go 4 or 5 and jumps to 6%

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Do they make it easy to pay extra principal? I've had a couple of car loans where they don't allow that with auto pay from the website. Just one way to convince people to pay the bare minimum so they can rake in more interest.

Idk would have to speak with my accountant (wife). I don't meddle in those affairs lol