financing

Only lower one I found was Digital Credit Union, but you have to do direct deposit of your whole paycheck. Not sure what their rates are now, but at one point with all the discounts you could get near 1%.

Unfortunately - at least for me - they were the most difficult credit union to deal with, and when you open an account they do a hard credit inquiry. So don't do what I did and open an account too early so they have to pull credit twice.

I decided to go with AlliantCU

Check out Energy Federal Credit Union. As low as .51% (1.51% and 1% discount for EV).

Auto Rates :: Rates :: Energy Federal Credit Union

ww73 said:

Check out Energy Federal Credit Union. As low as .51% (1.51% and 1% discount for EV).

Auto Rates :: Rates :: Energy Federal Credit Union

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I'm going to use Energy Federal. Assuming very good credit, you can get .61%

You cannot get .51%, as that means applying two discounts simultaneously, and they won't do that. I asked.

Did anyone try to apply using the not a member option, if so did it work ? I seem to keep getting redirect to the main site of Energy Federal Credit union

I became a member last week. Planning to apply this week. The approval and rate is good for 60 days, and I wanted to make sure that the car would arrive in that window. Note that they are closed tomorrow as they physically moved their administrative offices this past weekend.

andrewket said:

I became a member last week. Planning to apply this week. The approval and rate is good for 60 days, and I wanted to make sure that the car would arrive in that window. Note that they are closed tomorrow as they physically moved their administrative offices this past weekend.

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Ah i c, ill try Tuesday I suppose

:love::scared:

How is everyone qualifying for membership at Energy FCU?

randompersonx said:

How is everyone qualifying for membership at Energy FCU?

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Call 800-223-2177 , option 1350 they will explain the process.

Majerus said:

Call 800-223-2177 , option 1350 they will explain the process.

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My question was just what the qualification factor was -- their website implied you had to be an employee of a list of companies (of which I am not).

randompersonx said:

My question was just what the qualification factor was -- their website implied you had to be an employee of a list of companies (of which I am not).

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Call and ask for Mary Johnson. She will set you up with an application for the Chinese Community Center, or something like that. You can then send her a check form $10 and she will take care of the rest.

She is also great to work with. I live in Texas and they are in Maryland. She helped with all of the paperwork and the approval.

rjatc said:

Call and ask for Mary Johnson. She will set you up with an application for the Chinese Community Center, or something like that. You can then send her a check form $10 and she will take care of the rest.

She is also great to work with. I live in Texas and they are in Maryland. She helped with all of the paperwork and the approval.

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Figured I would let her explain as the whole process seemed a little odd initially.

rjatc said:

Call and ask for Mary Johnson. She will set you up with an application for the Chinese Community Center, or something like that. You can then send her a check form $10 and she will take care of the rest.

She is also great to work with. I live in Texas and they are in Maryland. She helped with all of the paperwork and the approval.

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I spoke with Mary. She seems like a nice lady and well informed. She will ask you to fill out the Chinese center app like Randompersonx explained and fill out the membership form. It all has to be mailed in, not emailed so might be best to get started on it now. Will update when I hear back from her with rates.

Rawad H. said:

So I decided to go with energy federal credit union and they say that they can get as low as I believe it was 1.51% and then you can get a 1% discount for an ev vehicle I sent in my membership application about a week ago still waiting on a reply

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just mailed in my application today, hoping for that sweet sweet sub 1%!

So w/ EFCU you don't know your rate (or even if you qualify) until after you physically mail in the application? No online or over the phone approval process?

The membership application is online. I will send mine in tomorrow. Hopefully I will qualify for the crazy low rate!!

R²B said:

So w/ EFCU you don't know your rate (or even if you qualify) until after you physically mail in the application? No online or over the phone approval process?

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once you join they will start the loan approval process, so yeah, you cant really get any information out of them before joining. i was told it was quick and easy if that makes any difference.