At First Source FCU, we’re driven to keep up with member needs.
Our low auto loan rates, flexible terms, pre-approvals and fast, local decisions are designed to make your next vehicle purchase both simple and affordable.

Benefits include:
	Competitive interest rates
	Flexible terms
	Pre-approvals for greater purchasing power
	Fast, local decisions
	Efficient and friendly service
	Assistance from the Car Buyer’s Helpline
	Automatic deduction from your First Source FCU account
Features:
	Risk-based pricing
	Terms up to 84 months on new vehicles
	Terms up to 60 months on pre-owned vehicles

If "No Hassles and No Headaches" sounds good to you, contact the Car Buyer's Helpline prior to your next automobile purchase. This unique and easy-to-use service offers two levels of assistance in shopping for a new car. The best part is – if you finance your new vehicle with First Source FCU within 60 days after using the service, we will reimburse your savings account for the fees!

The Negotiators will:
Option 1: Basic Consultation ($60)
	Suggest cars that fit your budget
	Provide you with the dealer invoice and instruct you on how to use it
	Inform you of rebates and dealer incentives
	Establish whether or not you’ve worked out a good price on your own
	Answer all of your car buying questions
Option 2: Negotiation and Purchase ($115)
	Provide all of the services listed in Option 1
	Save you time by locating the vehicle of your choice
	Save you money by negotiating the actual purchase with the dealer
	Save you headaches by handling all the bargaining with the dealer
	Help put money in your pocket by getting the best value out of your trade-in
Things to consider when shopping for an automobile:
	Establish your needs:
	How much can I afford?
	What size vehicle do I need?
	What are the road conditions I will be traveling in?
Consider your options:
	Should I purchase new or used?
	Will I place a down payment?
	Should I trade-in my current vehicle or attempt to sell it outright?
	Am I concerned with fuel efficiency?
	What are the maintenance costs?
	Should I purchase an extended warranty?
	What will my insurance costs be?
	Do I want certain luxury options on the vehicle?
When negotiating a deal:
	Never tell the dealer how much you are willing to spend up front.
	Always test drive the vehicle prior to purchasing.
	If purchasing a used vehicle, question whether or not the vehicle has ever been involved in a collision or has had any major repairs.