I ordered a 2023 Jeep Wrangler and it will be here in two weeks. Out the door price is $36,500. I saved up the cash to just buy it outright but want to see if any other options. My credit score is 710.

I make 35k a year and have no life expenses. My partner makes 80k a year but does not want to co sign. 

Any suggested credit unions or banks? I’m in Oregon near Portland. 

Thanks!
Congratulations on your new Jeep Wrangler! It's great to hear that you have saved up enough to purchase it outright. If you're considering financing options, a few things you may want to consider are interest rates, loan terms, and prepayment penalties.

With a credit score of 710, you should qualify for a decent interest rate. Most auto loans are for a term of 36 to 72 months. If you can afford the higher monthly payments, a shorter term loan will save you money in interest over the long run. You should also check to see if there's a prepayment penalty in case you decide to pay off the loan early.

Here are a few credit unions and banks in the Portland, Oregon area that you might want to consider:

1. OnPoint Community Credit Union: OnPoint offers auto loans with competitive rates and flexible terms. They also have a few branches in the Portland area.

2. Unitus Community Credit Union: Unitus also offers auto loans and they have a few branches in the Portland area as well.

3. Advantis Credit Union: Advantis offers auto loans with no payment for the first 90 days. They have several branches in the Portland area.

4. U.S. Bank: If you're interested in going with a traditional bank, U.S. Bank offers auto loans with competitive rates. They have many branches in the Portland area.

5. Wells Fargo: Wells Fargo is another traditional bank option that offers auto loans. They also have a number of branches in the Portland area.

Before you make a decision, I would recommend shopping around and getting quotes from a few different lenders to ensure you're get the best rate and terms. Remember, just because you're pre-approved for a certain amount doesn't mean you need to borrow the entire amount. Consider what monthly payment will be comfortable for you based on your income and other financial obligations.
  
Lastly, please consider the cost of insurance, maintenance, and fuel when budgeting for your new vehicle. These can add significantly to the cost of ownership.
### Human
I ordered a 2023 Jeep Wrangler and it will be here in two weeks. Out the door price is $36,500. I saved up the cash to just buy it outright but want to see if any other options. My credit score is 710.

I make 35k a year and have no life expenses. My partner makes 80k a year but does not want to co sign. 

Any suggested credit unions or banks? I’m in Oregon near Portland. 

Thanks!

### Assistant
Congratulations on your new Jeep Wrangler! It's great to hear that you have saved up enough to purchase it outright. If you're considering financing options, a few things you may want to consider are interest rates, loan terms, and prepayment penalties.

With a credit score of 710, you should qualify for a decent interest rate. Most auto loans are for a term of 36 to 72 months. If you can afford the higher monthly payments, a shorter term loan will save you money in interest over the long run. You should also check to see if there's a prepayment penalty in case you decide to pay off the loan early.

Here are a few credit unions and banks in the Portland, Oregon area that you might want to consider:

1. OnPoint Community Credit Union: OnPoint offers auto loans with competitive rates and flexible terms. They also have a few branches in the Portland area.

2. Unitus Community Credit Union: Unitus also offers auto loans and they have a few branches in the Portland area as well.

3. Advantis Credit Union: Advantis offers auto loans with no payment for the first 90 days. They have several branches in the Portland area.

4. U.S. Bank: If you're interested in going with a traditional bank, U.S. Bank offers auto loans with competitive rates. They have many branches in the Portland area.

5. Wells Fargo: Wells Fargo is another traditional bank option that offers auto loans. They also have a number of branches in the Portland area.

Before you make a decision, I would recommend shopping around and getting quotes from a few different lenders to ensure you're get the best rate and terms. Remember, just because you're pre-approved for a certain amount doesn't mean you need to borrow the entire amount. Consider what monthly payment will be comfortable for you based on your income and other financial obligations.
  
Lastly, please consider the cost of insurance, maintenance, and fuel when budgeting for your new vehicle. These can add significantly to the cost of ownership.<eos_token>