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YOUR RESEARCHBanks willing to finance a 996
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Use heloc
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I used southwest airlines federal credit union on both of my 996s.
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Suggestion
Walk in, ask for a check, had the CU mgr call the out of state seller and also email them stating a check had just been made out to them for the car.
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Suggestion
They might have extra questions that aren't in their online app, so call in and check on status if it takes more than 24-48 hours.
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Anybody have thoughts on where to seek a loan on a 996? I've tried several banks and they won't go back any further than 7 years - 5 years in some cases. This is a private party purchase, so financing has to be on my own. Thanks in advance for any info that's helpful.
Check with a Credit Union. Their rules for financing are not the same. Some go back 10 years, and some will do special financing for collector vehicles.
Pentagon federal will do it. Had same scenario when I bought mine..great rates too. No affiliation, etc etc. don't have to be military to join, pretty easy process.
happy hunting.
PenFed
is the best for all types on loans. You do NOT have to be a member on the military to join. You just have to pay a ONE time fee of $25 to join friend of the military.
I used a HELOC. (Home equity line of credit) Had it for a remodel project. Walk in, ask for a check, had the CU mgr call the out of state seller and also email them stating a check had just been made out to them for the car. Keep the title on hand. Money @ 2% is a deal. Also making 5% on savings in a term CD, netting 3% after the loan.
1.99% is a great rate for a used car! I hope it works out for you!
For perspective, I financed a new Subaru recently, and I got 1.9% through Chase Bank.
RSA, I think it took them like 24 hours to get back to me on the approval. They will want a form filled out by the seller that gives them info on whether he has the title in hand, or if he has a lien, which adds a day or so to the process. (just found it) The link to the form is here, so send it to the seller and have them get started because you will need it since it is a private party selling it to you.
https://www.penfed.org/127-B/
Hope all works out well for you!
Being from Canada, where we have a functional and competent banking system I'm confused by this thread. Why would a bank have any issue lending you money for any kind of vehicle unless you're grossly over extended? Anytime I've gone in for vehicle financing I'm not sure I've ever even told then what I was buying - other than in casual passing.
Good info about Penfed and other lenders to finance a 996.
I am hunting now and forgot about age limits on vehicles. I will have to check them out if one of my 2 credit unions have any limits.
Penfed at 1.99%. Took about 3 days for approval / opening new account with them. They might have extra questions that aren't in their online app, so call in and check on status if it takes more than 24-48 hours.
I used southwest airlines federal credit union on both of my 996s. My first finance with them on the 1999 was this past Jan. And they also financed my 2000 which actually goes threw today.
The 1999 was originally financed with Pentagon federal and the 2000 was with Chase.
Good luck!!
I agree that it makes no sense. In fact they are more likely to loan for a new car (which is subject to huge amounts of depreciation) than a vehicle that is well cared for and not likely to decrease substantially in value.
Who knows why?
As for me, I had my financed by Wachovia which is now Wells Fargo.
Another option if you are having difficulty is to see if credit card has some kind of loan program. I did this to purchase my m3 since it was a 20yo car. They had a loan program that surprisingly had lower interest rate than a traditional bank or credit union at the time. But not everyone has a high credit limit so that present an issue to some.
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