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I've found the vehicle I will be purchasing from a private seller so it's onto the loan.

The unanimity of credit union suggestions didn't go unnoticed. Western Credit Union is offering a base rate of 5.49% for 48 months with no prepayment penalties. The curiosity of my personal rate is killing me. I'm not holding my breath for the 5.49%.

I've checked and there are no listing for my area and Chase is offering a rate of 6.51% with loan origination fees. Has anyone found better rates?

Thanks again for all the tips.

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