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I know ya'll were discussing this recently, but I couldn't find the link? Who gives the best rates for used cars. I have perfect credit, if it matters.....:bigthumb:

Pen fed is what you're thinking about.

Wells Fargo is very competitive right now, and any Fed. Credit union.

Pen Fed - 1.49%
Navy Fed - 1.79%
Marine Fed - 2.00%
Wells Fargo - 5.22% (Dealer) 6.08% (Private Party)