Purchased my truck on 08/02. Dealer financed through Chase. If I go to a credit union, do I go for a "new auto loan" or a "refinance?"

[RJNavarrete]

Isn't there something like a 60 day window to be considered a "new auto loan?" Does this vary lender by lender, or is this a general rule? I'm in CA, if it matters.

 

[millerbjm]

I would just ask the credit union. I did this on my 2014 as they had great rebates for financing through Chrysler so I did that and then transferred the loan to my credit union. At my credit union they offer the same rates for any car 2016 and newer.

 

[sparkygreen]

Check out PenFed, You would want the refinance option, but they have the best rates and methods to join for anyone. Navy Fed Credit Union is also good, but only for military and families of military. Those are best national choices, a local credit union may be better or worse you have to check with them to see.

I re-financed my 2019 with Pendfed earlier this year and got 2.99% for 72mo refinance.

Good luck!