How I have scored invoice pricing with 3.99% APR on my 370Z?

AK370Z

One of the first question on the loan app. "Do you know know the exact car you want"? When you say NO (that's what I did since I didn't have the VIN), it omits all the car info. You can proceed through the whole application process and have the check FEDEXed the next day. When you receive the check, you'll see empty boxes for Dealer to fill out (VIN no, amount etc). Just take the check to the dealer and they'll fill it out for you. They are aware of this kind of check. PenFed also includes a very easy to follow instructions.


BTW, I just paid my 1st payment. From the next payment, the amount will be deducted straight from my checking account so I don't have to worry about paying the bill on time. I also saw this on my bill:

PrePayments: If you pay off early, you will not have to pay a penalty.

There are many financial institution that charges extra fee if you want to pay off your loan early . But NOT PenFed! I will try to pay off as soon as possible without worrying about any penalty fee.

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