conversation: User (denko_safe_cats): "Hi PF. \n\nMy beloved 2006 MINI was totalled this week and I am about to replace it with a sharp looking 2004 with next to no miles. I bank with Bank of America and used them for the loan on the 06. They won't give me a loan on anything older than 05 and after a good deal of shopping around at other banks, I'm finding that's the *oldest* I can find. \n\nThe only company willing to give a loan on a 2004 is Lightstream. \n\nI am finding a lot of mixed reviews online about them and I'm sure someone here can help point me in the right direction. I'd rather not do a personal loan and go up to or over the expected 10% interest. \n\nThe 04 is exactly what I need in my next car and I'd rather not just "get a different one" \n\nAny advice is appreciated! Thanks in advance."
  Self: "Credit union is an option.\n\nMy national chain bank wouldn't give me a loan on a 12 year old truck but a credit union did, 4.5% for 36 months.\n\nThe loan was for less than half of their appraised value. They said that made the difference. \n"
  