Yep, credit unions are nasty for that. Private lenders like chase, not so much. Mustang was financed through credit union. Prepayments beyond $1000 were not allowed. No more than 2 prepayments a year.

Workout a few deals with dealers and see what works best for you. Dealers are interested in financing because they get incentives from financing. But they maybe open to a cash offer

Best you’ll get is a Honda civic from a private seller.

Edit: this is the market. Used car prices are all time high.

They’re predicting a recession towards the end of this year. If you’re in no rush, might as well wait for 0% deals to arrive