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I checked my credit union, 2%. Is it better to go that route or is it better to get dealer financing?
For new cars, dealers seem to beat the credit union (4% vs whatever promo dealers offer)?
IMO, that is very good rate for a used vehicle thru your credit union. You can use that as leverage when negotiating. If the dealer says they can do better, then go with that. That's what I did when I last purchased.