Ask the girl. Tell the dealer not to pull your credit.

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Oct 9, 2024
7:15:14am

RexIdaCoug All-American

Ask the girl. Tell the dealer not to pull your credit.

Dealers are the worst though. Can't stand them.

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RexIdaCoug

Bio page: RexIdaCoug
Joined: Nov 17, 2006
Last login: Oct 9, 2024
Total posts: 17,983 (2,408 FO)

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Messages

Author

Time

Outside credit union vs the financing dept

dingus79 All-American

6:49am

Few businesses I hate more than car dealers.

DirtyWater

6:55am

If you work through the dealership, even if you go get a check from the CU,

RexIdaCoug

6:57am

I’m worried about the girl who did the work to get me approved at my CU, will she still get a cut? Also I’d prefer not

dingus79

7:07am

Ask the girl. Tell the dealer not to pull your credit.

RexIdaCoug

7:15am

Stand your ground. Dealer financing depts are the worst. Don't worry about the

txblue

6:57am

They are often slimy, but I don't care where the best interest rate comes from.

Corn Pop

7:05am

Oh ok, interesting

dingus79

7:10am

Though it's a good idea to find your own rate first as otherwise they aren't

Corn Pop

7:18am

Most reputable dealers participate in a CUDL network. It stands for Credit Union

southbaycoug

7:20am

Thanks that’s great to know

dingus79

7:21am

Last time I dealt with dealer financing - I told the dealer I would fund through

BlueKarma

9:05am

If it's not going to cost me anything extra, I don't mind having the dealer process the funding

kccougar

7:05am

If I bail on my rep at my CU and just use the financing dept, does she lose the “sale” so to speak?

dingus79

7:09am

I can’t speak for your CU but a lot don’t have incentive programs tied to auto

southbaycoug

7:22am

TBH it seems like a huge hassle to get the sale order and have to stop by the CU during business hours

dingus79

7:12am

Dealer discounts the loan to the credit union and it amounts to a small profit

PhilPete

7:12am

1.25 - 2% on a flat fee. And up to 4% on a markup

RexIdaCoug

8:16am

Just tell him that if they want to sell the car to you to let you use your CU

7FootRussian

8:19am

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