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Ally will make you go through the dealer who will add fees.

Get you own financing, call Ally and treat it like cash on their end, it'll be cheaper.
Agree. I had two good experiences with Lending Tree. Once on a lease buyout of my 1998 Subaru Forester. Was surprised to get a quote from a company I never heard of with a rate a few points below what the big banks were charging. Received a check the next day via Fed Ex. It worked out well for me. The second time was for the purchase of my coop apartment. That worked well for me too. The only caveat is you will get phone calls from at least five lenders within 5 minutes after you click "okay."
 

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EV6 GT (est. Delivery Jan 30,2023).
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Last I checked, you can refi with no issues if you do it before making the first payment. To get the best deal, I once had to finance at 4.5% through the dealer. When I got home, I called my CU and refinanced for 2.7%.
 

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2018 Stelvio Ti Sport
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PenFed and Navy Federal credit unions are also great if you qualify for membership.
 
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