Shopping for new or used cars
Whether you’re looking for a brand new car (or just new to you), a first-time truck or SUV, or a family minivan, financing advice will give you extra purchasing power before you head to the dealer.
Where Do You Start with Vehicle Financing?
Our best advice, before you shop for a vehicle—new or used—is to make an appointment to see us first. Why? We can provide a free financial checkup, including a credit check, to help you decide what you can afford, offer tips for the entire purchasing process, find current rates for what you want, and even see if you qualify for loan pre-approval. When you do find something to buy, you’ll go into negotiations with more purchasing power.
How Do We Make Auto Loans Easier?
We show you all the trade-offs of loan amounts, interest rates, payment terms, and more. Before your appointment, try out our car loan calculator to get a general idea of the numbers. We also explain some great after-sale protection options, like Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) (see details below). This way you’ll know ahead of time exactly what you can spend and how you’ll make payments, and it saves you surprises later in the process. Once you’re qualified for a loan, pre-approval puts you in the driver’s seat when it’s time to discuss price.
We’ll also walk you through the application process, and do much of the financial paperwork heavy lifting for you. Our representatives will be available to you at any point to answer questions.
If your financial checkup reveals that you’re not yet financially ready to buy, we can help you get your finances back on track by working with you to improve your individual situation based on your needs.
What if I already found the car I want?
If you’ve already been to the dealer, let us help crunch the numbers for you. We often have lower rates than others' incentives and rebates, and can make sure you’re in good position to make the payments you’re committing to. We can also still help you protect your investment with mechanical breakdown protection and GAP coverage.
Protecting Your Investment
Mechanical Breakdown Protection
Mechanical Breakdown Protection covers mechanical breakdowns above the original manufacturer's warranty. This helps ensure that the investment in your vehicle is protected and reduces the possibility of out-of-pocket expenses during an unexpected mechanical failure.
- $0 deductible on all plans
- Immediate coverage
- Direct pay to repair facility
- Emergency roadside service included
- Rental car allowance
- Battery coverage
- Competitive rates
- Cost can be included in your loan or purchased outside your loan
- Fully transferable
Guaranteed Asset Protection
If your vehicle is totaled or stolen, your insurance settlement can be significantly less than the outstanding loan balance. GAP is designed to relieve you of the responsibility for the remainder of the loan balance that may not be covered. We’ll make up that difference.
- Low-cost protection
- Eliminates the out-of-pocket expense for the remaining loan balance after loss settlement
- Auto Deductible Reimbursement (ADR) pays up to $500 per loss (limit of 2 losses per year) when claim is filed and paid with your primary insurance carrier
- Helps you avoid financial hardship and afford a replacement vehicle
- Prevents deficiency balance from being added to new loan
- Helps protect credit rating
Auto Loan Calculator
Check out our helpful auto loan comparison calculator below, to get an idea of how much could be available to you. Enter your principal amount, the rate, and the number of payments for an idea of how much your monthly payments could be.
You Deserve a Better Car
Get started with an easier auto loan by submitting the form below, or call 315-735-8571 to make an appointment today.