Update: switching from my credit union to a broker cut my car loan rate from 7.2% to 5.4% in one afternoon in Plano

Miles Perez · 2026-10-25T03:10:03.655291+00:00

I had been with my credit union for 9 years and they quoted me 7.2% on a used truck last Monday. A buddy told me to call a broker in Plano, and by 3pm the same day I had a 5.4% offer with a lower monthly payment. Has anyone else had a broker beat their bank this fast, or did I just get lucky with timing?

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Update: switching from my credit union to a broker cut my car loan rate from 7.2% to 5.4% in one afternoon in Plano | Bank Vs Broker - Rigidtalk