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Alliant financing

I had a question about those who used Alliant for their loan. Did everyone already have automobile credit history when they received their low APR loan? Did you have to make a downpayment?

Reason I ask is I was contacted by Tesla financing, and my application was denied by both Wellsfargo and Usbank because although I have excellent credit history, I do not have any automobile credit history. I sent in an application today to Alliant and was just wondering what I should expect come next week.

Thank you!

This is what I got from the Umpqua site, it also says that there is a $100 fee for an auto loan.

auto loan rates

Amount you can borrow Interest Rate (fixed) Corresponding APR 1 Term
$5,000 and up 3.10% - 6.10% 3.13% - 8.03% 24 months
3.30% - 6.30% 3.32% - 7.62% 36 months
3.40% - 6.40% 3.42% - 7.41% 48 months
3.60% - 6.60% 3.61% - 7.42% 60 months
3.70% - 6.70% 3.71% - 7.52% 72 months

JstACarGuy,
Coastal FCU and US Alliance FCU are also offering up to 84 months.

Coastal Rates are good if you live in there area.

Their

72 months. Mu rate was about $50 a month less the best offer from Tesla's financing partners.

FYI the 1.49% is now 1.74%. Hope everyone receiving their car soon is locked in even though 1.74% is still pretty good. I closed Friday to be safe.

@Joe H.- Thanks for the heads up. Guess I'll just have to deal with the small increase. My delivery date is 3/28 so was waiting to get into the 30 day window. Still a very competitive rate.

Just financed through ACU at 1.49% Set this up on the last day for the old rate Monday. Financing phase completed!

I used the details of the Alliant offer at 1.49% as leverage on my credit union where I already have my other accounts. They countered with 1.94%, which was lower than their advertised rates, so I'm taking that to keep it convenient.

Sorry to revive an old thread, but this thread has helped me a ton to decide who to go through and who to contact at ACU. I have a delivery date of Aug 29th so was planning to finance August 1st.

Is Scott Paulson and Andy Vostatek still the people I should get in contact with at ACU?

Who would you all recommend of the two?

Thanks!!!

Scott was very helpful.
Amazing how much you can quickly do on line.

Closed $85k loan @1.74% two weeks ago for our MS.

I worked with Scott Paulson. Efficient, knowledgeable, a pleasure to do business with.

I qualified quickly for 95% financing. Yes, I had previous auto loan history.

@Ma'Tes @thranx Thanks for the info! Scott it is.

People often say this, but I have no idea why reviving a relevant "old thread" is a problem. New members are flooding in, and haven't seen them, for one thing. New developments on previous topics are frequent. Etc.

Pacific Marine Credit Union has 1.5% rates. I found them very helpful. And no, I do not work there.

Digital Credit Union has a "hybrid" discount that brings it down to 0.99% for I think now 65 months. I didn't check, but they mentioned that EV's qualify too. Worth looking into.

Alliant offered 100% but only needed $85K 1,74% 72 months, I put 10% down.

Scott is the man to work with... has the whole process nailed, he's closed on many Tesla's


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