u/1am4Stewart

I am wanting to get a vehicle and would like to have some form of a loan of $22-23,000. What is my best option? It's a used, and older vehicle so I will not go through the dealership directly.

My credit score is over 800, and no debt.

But, (and I assume this is what screws me), I am not with any of the big banks anymore. I am now with virtual institutions as they give decent amount of interest on my money per month vs the standard 0.05%.

I am hearing many different things from those around me, and I'm not sure which would be best.

I obviously worry about trying to apply to a bunch of different banks and other institutions to see their rates as they will ding me with a hard credit check everytime!

I am wanting to get a vehicle and would like to have some form of a loan of $22-23,000. What is my best option? It's a used, and older vehicle so I will not go through the dealership directly.

My credit score is over 800, and no debt.

But, (and I assume this is what screws me), I am not with any of the big banks anymore. I am now with virtual institutions as they give decent amount of interest on my money per month vs the standard 0.05%.

I am hearing many different things from those around me, and I'm not sure which would be best.

I obviously worry about trying to apply to a bunch of different banks and other institutions to see their rates as they will ding me with a hard credit check everytime!