You can get lower or similar rates at a regular bank than penfed. dont have to go through the hassel of signing up for a buncha stuff like you do with penfed and waiting for paperwork and you can apply right online. I financed my car originaly for 72 months because I planned on keeping the car for a long time. I made 6 payments on it and just refinanced it for 66 months through chase which is the same amount of payments I owe and got 3.84% which is better than what penfed offers AND its technically a used car which have higher rates than when new.
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