Never buy a new Lexus. They’re incredibly reliable. Let someone else eat the depreciation, and buy a 2-3 year old one instead. Get an account at PenFed, apply

Never buy a new Lexus. They’re incredibly reliable. Let someone else eat the depreciation, and buy a 2-3 year old one instead. Get an account at PenFed, apply for a used car loan through them, and you can use it to pay for vehicles from dealers or independent third parties. PenFed is a credit union that anyone can join with a donation - you don’t have to be a former Pentagon employee. Don’t use them for your primary banking needs though. Their tech is a dilapidated nightmare. Just use them for auto and home loans.