| Pre-Qualify for you Auto Loan direct with a lender to save yourself thousands of dollars As your Advocate we recommend you apply directly with a Credit Union or bank to get Pre-qualified for an auto loan. Most dealers have their own finance department that generates more revenue for the dealership by marking up the interest rate on the Auto Loan over and above the actual APR that you qualify. Other dealers can make an extra $8000 profit per deal writing up your sale so it’s substantially in your own best benefit to apply directly to a lender on this page based on your circumstance. Example 1: Many credit Unions are offering Great Rates as low as 1.5% APR for a 5-Year used auto loan. That would set you payment between $17-$18 per month, for every $1000 that you borrow. With Simple math would give you a payment of $173 per month on a $10,000 auto loan. Best Case Example 2: If you opt instead that a Dealers internal finance department writes up the auto loan for you. You APR% markup could be 2.6% over the 1.5% (if they even find you a rate that low) that you might actually qualify for and then you payment increases to $185 so you actually pay $710 more profit you pay to the dealer/lender per each $10k borrowed over the life of the loan. Buying a $30,000 vehicle the dealer can earn an extra $2130 from the financing over the life of the loan with your rate of 4.1% but chances are more likely that dealer will have you written up at a much-much higher rate. Auto Financing is based on 4 factors, Credit Score, Debt Ratio, Proof of Income, and Collateral value of the vehicle you are buying. Many loans vary but it’s common to get the best rate if your factors are in order. Most credit unions can still finance you with a great but higher rate if some of your factors fall closer to the sub-prime figures. Call us for questions about how to proceed (951)681-2101 Vehicle not just my Vehicle. |
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| Schools First FCU Recommended for residents of Orange County California . |
| USAA >>TOP RECOMMENDATION<<< Current, Retired, and Honorably Discharged. Recommended for all with Military background or individuals with parents that have Military Background |
| Navy Federal Credit Union >>TOP RECOMMENDATION<<< Recommended for family members of Military of government contract employees (more family members are eligible than with USAA) |
| States other than California |
| Deer Valley Credit Union Arizona |
| Advantis Credit Union Oregon |
| Georgia’s Own C U Georgia |
| Safe Federal Credit Union South Carolina |
| Houston Federal C U Texas |
| Wright-Patt Credit Union Recommended for members of Military |
| More Credit Unions Coming Soon |
1.99 APR Financing Nationwide Special Limited Time offer |
| Or, Click on the blue links below to visit one of our recommended lenders Many offering LOW APR |
| Southern California |
| Altura Credit Union Recommended for residents of Riverside/San Bernardino County California. |
| Schools First FCU >>TOP RECOMMENDATION<<< So Cal. Large Credit Union For Educators & Family As low as 1.5% APR 60 months |
| Arrowhead Credit Union >>TOP RECOMMENDATION<<< So Cal. Large Credit Union As low as 1.5% APR 60 months Riverside/San Bernardino County California. |
| Patelco Credit Union Recommended for residents of Central or norther California |
| Central California |
| Tower Federal CU Recommended for residents of Central or norther California |
| Wells Fargo Bank >>TOP RECOMMENDATION<<< California Large Bank "Path of Least Resistance Competitive Auto Loans" |
| Matadors Credit Union Recommended for residents of Southern California |
| Visterra Credit Union Recommended for residents of Southern California & Cars over 100,000 miles |
| E-Central Credit Union Recommended for residents of Southern California |
| Alaska USA CU Recommended for residents of Riverside/San Bernardino County California. & Alaska |
| Wells Fargo Auto Finance Recommended for residents of California |
| Pentagon FCU >>TOP RECOMMENDATION<<< Nationwide Online Credit Union Our #1 Recommendation for Non-military Nationwide |
| BMW Financial >>TOP RECOMMENDATION<<< Nationwide Online Lender "Up2Drive" |
| Sun Trust Bank >>TOP RECOMMENDATION<<< Nationwide Online Bank "Lightstream" |
| WesCom Credit Union >>TOP RECOMMENDATION<<< So Cal. Large Credit Union Our #1 Recommendation for As low as 1.5% APR 60 months |
| North Island FCU Recommended for residents of San Diego County California |
| San Diego Area California |
| Pentagon FCU >>TOP RECOMMENDATION<<< Nationwide Online Credit Union Our #1 Recommendation for Non-military Nationwide |
Updated 1/17
| RV Financing Tax Deductable Loans |
| Altura Credit Union Recommended for residents of Southern California |
| Excel Credit Nationwide >>TOP RECOMMENDATION<< RV Finance starting at 4.35% Terms up to 15 years RV Motorhomes Boats & Aircraft Loans from $25k-$3.5million |
| Southeast Financial Nationwide >>TOP RECOMMENDATION<< RV Finance starting at 4.75% Terms up to 15 years RV Motorhomes |
| Essex Credit Nationwide >>TOP RECOMMENDATION<< Some of the Lowest APR Rates recommended By Costco RV Motorhomes Terms up to 20 years 1-2 weeks to get Funded |
| State Farm Bank & Insurance Very Fast results so-far Recommended for residents of Southern California and perhaps Nationwide RV Financing rates as low as 4.39% < 2 model years old 5.39% > 2 model years old |
| USAA >>TOP RECOMMENDATION<<< Current, Retired, and Honorably Discharged. "or Children of" Recommended for all with Military background or individuals with or have parents that have Military Very Fast Funds within 72 Hours |
| Alaska USA CU >>TOP RECOMMENDATION<< Recommended for residents of California & Alaska Branch located nearby in Rancho Cucamonga |
