About to purchase my first vehicle

Hehe...the first car I ever purchased for myself was a 1992 Geo Metro. It was the 2-door model with a 3-cylinder engine. It got wiped out in those May 8 floods from the mid 90's. Watching that car float away brought tears of joy to my eyes.

i felt the same way in 1998 when Georges relieved me of my 1991 Nissan Sentra. i had a deep hatred for that car.

As much as i'd love to have one of these



it would take something really special for me to finance a movable in the foreseeable future. the opportunity cost is too great for me.

That being said, the OP is GOING to buy a truck and he is GOING to finance it. So if he's looking for any advice there, i'd say go to a credit union, get a pre-approved loan, and negotiate price to within an inch of that salesman's life.

If OP is a USAA member, today they are advertising car loan rates as low as 5.39%. Navy Federal Credit Union, others along those lines may give you a similar deal. Helps to be military, but really any credit union is likely to be more friendly than a bank.

The last (and hopefully ONLY) time i financed a vehicle, it was through Chevron's credit union, and that was a good experience.

If you finance through a dealership you are most likely to get a bank, or worse.