It's the time of year for auto makers to offer great incentives on the purchase of new vehicles.  How can you be sure you're getting the best deal and save money on your financing?  Plan ahead.  Before you visit the dealerships, talk to a Coosa Pines loan officer. 

 

Knowing exactly what you want to pay for a vehicle and can afford will save you time by leading you straight to the vehicles in your price range.  With a low interest rate from Coosa Pines -- rates currently start at just 3.00% APR* -- your qualifying monthly payment may be lower than you expect, giving you more purchase power.  Talk to a loan officer to find out what rate you would receive and how the rate will affect your monthly payment.

 

Arranging financing with the credit union before you visit the dealership is like having money in your pocket.  By taking financing out of the conversation, you'll not only save time, but also have the upper hand when negotiating price.  This way you can bargain for a dealer discount based on a cash sale. 

 

Forward thinking your financing takes the pressure off when dealers offer you their special low-rate financing (based on a higher sticker price).  The dealer may also be offering rebates.  Prepare yourself by researching rebates and doing the math ahead of time.  Often you'll find it's best to:

 

 

Learn More About CPFCU Auto Loans     View All CPFCU Loan Rates     Use Our Loan Payment Calculator

 

*APR (Annual Percentage Rate) based on individual credit worthiness, vehicle model, and loan term.  Quoted rate is our lowest rate offered.  Rates vary and may change without notice.  Certain restrictions apply.  **Payment and interest amounts are estimated for this example.  Estimates do not take into account future actions such as add-ons and payments skipped.  Please contact a Loan Officer for complete details.