Good points, but have you actually run the numbers on bundling? I tried it once thinking I'd save big, but turns out the auto loan rate wasn't as competitive as advertised. Ended up refinancing separately later anyway... lesson learned the hard way.
"I tried it once thinking I'd save big, but turns out the auto loan rate wasn't as competitive as advertised."
Interesting point—I've had similar experiences myself. Bundling always sounds appealing upfront, but I've found that lenders often offset savings in one area by quietly padding rates elsewhere. When I refinanced my mortgage a couple years back, the bank pushed hard for me to bundle with a home equity line. On paper, it looked decent, but after crunching the numbers separately, the standalone HELOC from another lender was clearly better. Makes me wonder how often people actually benefit from these bundled deals versus just assuming they're getting a good deal because it's convenient.
Have you noticed if bundling tends to be more beneficial with certain types of loans or financial products? I'm skeptical, but open to hearing if anyone's had consistent success with it.
