_ said:
Looked at penfed. Their website says only vehicles 5yrs or newer.
Fawk this. I’ll just save up.
Not true. Per their site:
Used Auto Loans: Maximum used car loan advance will be determined by PenFed using a NADA value. Financing is available up to NADA average retail value plus tags, title, taxes and extended warranties not to exceed 110%. Some restrictions apply. Call 800-247-5626 for details.
Financing for 61-72 month term is valid for model years 2020 - 2014. Rate depends on term. Other restrictions including vehicle and mileage limitations may apply.
They will loan on anything as long as the loan isn't greater than 110% of NADA. I got a loan for a 2002 4Runner from them like 4 years ago. And an 04 Acura TL in 2016 I believe. Now, they won't go 72 months on stuff that old and the minimum is $5k I believe, but they will definitely write you a loan on an NC if your credit checks out. Once you're approved they actually just mail you a check to take to the dealer...
pimpm3
UltraDork
8/23/19 12:32 p.m.
Lightstream is the way to go. They deposit the money straight into your bank account. They don't care what year the car is either. My brother in law just bought a 2006 4runner and they did a 48 month loan on 10k at 4.2%.
I got a loan last year on a 2007 wrangler and it was 3.9% for 60 months.
Driven5
UltraDork
8/23/19 4:22 p.m.
_ said:
Driven5 said:
What is wrong with this these?
https://portland.craigslist.org/mlt/ctd/d/portland-2006-mazda-mx-5-2dr-conv-gt/6947493466.html
https://seattle.craigslist.org/kit/cto/d/bremerton-2006-mazda-miata-mx-5-trade/6955143327.html
The first one is overpriced for the year and mileage.
The second one is a little far for me to drive, but I would check out if it came down to it.
They're the same year, within 5k on mileage, and within $250 of each other.
Your basis for calling the negotiable advertised price as 'overpriced' is based on...??
Driven5
UltraDork
8/23/19 4:36 p.m.
No hostility intended. Just facts and trying to better understand the basis of your expectations...And I was secretly hoping maybe you knew of some secret stash of $5k low-mileage NC's somewhere else in the country. If it's simply a matter of economics holding you back though, that's fine
Driven5
UltraDork
8/23/19 4:38 p.m.
Oh, and perhaps try looking for the actual current price of $6,977 at the top of there listing, and not just the non-updated price in the originally uploaded photo...Or don't.
_
HalfDork
8/23/19 5:06 p.m.
The Craigslist “advertised price” is almost never right. Especially with dealers. They post it low to get it i the search results. Then You call and find out they are lying trash.
And I apologize for the returned hostility.
Driven5
UltraDork
8/23/19 5:20 p.m.
No worries. For all I know, you may very well be right on that in this instance too though.
_ said:
The Craigslist “advertised price” is almost never right. Especially with dealers. They post it low to get it i the search results. Then You call and find out they are lying trash.
And I apologize for the returned hostility.
Well that just shows that you didn't call and confirm, before getting defensive. 
I literally just called, spoke to Curt/Kurt, he said the revised sub-$7k price is correct because it hasn't sold. I told him I was going to have a friend come look at it because I was out-of-state.
This is why you if you look at someone's thread about the turbo Camaro 1LE, I encourage calling and confirming the details with the dealership/lot/seller vs going off "internet hearsay," etc.
As always, YMMV. 
_
HalfDork
8/24/19 11:07 a.m.
In reply to z31maniac :
I ain’t got the time to babysit some dealer that can’t get a price tag off their promo pic. Thanks for the call though. I can be patient enough for the right one to come along.
_ said:
In reply to z31maniac :
I ain’t got the time to babysit some dealer that can’t get a price tag off their promo pic. Thanks for the call though. I can be patient enough for the right one to come along.
What do you do that you're so busy a 90 second phone call is too much time when shopping for a vehicle?
It's ok to admit you were spinning yarn
