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 and preparation will give you extra purchasing power before you head to the dealer.
Where Do You Start with Car Financing?
Our best advice before you shop for a new or used vehicle is to make an appointment to see us first. Why? We can provide a free financial checkup, including a credit check to help you determine what you can afford, offer tips for the 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 Approach Auto Loans?
We'll review loan options, interest rates, payment terms, and more. Before your appointment, try out our car loan calculator below 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. Once you’re qualified for a loan, pre-approval puts you in the driver’s seat when it’s time to discuss price with a dealer.
We’ll walk you through the application process, and our representatives are available to answer any questions you have.
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, and can make sure you’re in good position to make the payments you’re committing to. We can also offer you protection for your investment with mechanical breakdown protection and GAP coverage.