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Old 08-23-2013, 09:39 AM
tev9999 tev9999 is online now
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Join Date: May 2013
Posts: 351
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Vehicle: 2013 Ram 1500
Trim Level: Outdoorsman
Color: Maximum Steel
Engine: 2009-20?? 345ci (5.7L) Hemi V8 390hp 407lb/ft
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Pentagon Federal CU (penfed.org) is offering 1.99% (depending on your credit). You can join and apply for the loan in about 10 minutes online with instant approval. They send you a bank draft for up to the amount you request. Since it is Friday and you want to pick up your truck tomorrow, it might be tough to get it in time, but I understand you can pay to have them next day air the blank check. Not sure if they could process it fast enough for Saturday delivery, but Monday/Tuesday would be possible. They might be able to work directly with the dealer also so you don't have to wait for a check.

Personally I would apply somewhere online like PenFed that will give you instant approval. If you get approved, you know you are qualified and can pressure the dealer into getting you better than their rate. If they can't, you may have to wait a day or two to get your truck, but the savings would be worth it.
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