Car loans and mortgages, question

[goodhart]

Dealers have never once beat my credit union. We've taken out 6 different auto loans now. What they did do however when we bought one of the cars is check with 12 different banks, pull our credit 12 times and fucking murder our credit for about 2 years and still didn't find a better rate, or even equivalent rate for that matter. never again will I finance through a dealership. If you already bank with a credit union, anyone would be hard pressed to beat their rates. I think most people who get better rates through dealers most likely bank with giant banks like US Bank, Wells Fargo, etc that don't offer very good rates even to people with great credit scores.

Text me or something and I can tell you more of my experiences, I don't feel like posting details online.