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Financial Wellness
3 Keys to Start Car Shopping
Are you ready to hit the road in a new set of wheels? Before you buckle up and take a test drive, here are three essential tips to kickstart your car shopping journey.
Narrow Down Your Selection Pool
Consider the type of vehicle you need — whether it’s a sedan, SUV, or truck. Explore different trim levels and optional features that align with your preferences and lifestyle.
Auto maker websites offer a wealth of information, including photos, features, and available options. Additionally, utilize car shopping guides like Kelley Blue Book, Edmunds, and J.D. Power. These resources provide insights into purchase prices, safety rankings, reviews, and more.
Plan Your Car Budget
A car budget goes beyond just the monthly loan payment. Factor in additional costs such as warranties, sales tax, and registration fees. Consider the cost of maintenance and fuel consumption for your chosen vehicle.
Our financial calculators can help you figure out your payment.
To avoid surprises, call your insurance company for a quote to understand what rate you can expect for your new car.
Negotiate the Best Deal
Explore all your options. Evaluate whether financing or leasing serves you better. Take advantage of rebates and other manufacturer incentives to lower your overall cost.
And, before heading out to the dealership, it’s wise to get pre-approved for a loan.
A pre-approval from CEFCU gives you the confidence of “cash in hand.” And, as a valued member/owner, when you qualify for a loan, you also qualify for our best rate!
Get your pre-approval in gear
Get More Buying Power
By following these tips, you’ll be prepared to start your car shopping journey.
Check out our auto loan rates and apply online.
- Low rates and various terms.
- No teaser rates.
- No loan origination fees.
- No pre-payment penalties.
- Pre-approvals available.
With CEFCU, you’ll be sure to get the most for your money and your dream car, too.
- Financial Calculators
- Required Documents for Loan Requests
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See available rates and terms for cars and trucks. See available rates and terms for motorcycles, RVs, and boats.
Financing includes retail value or purchase price plus tax, license and documentation fees. Offer may be used for paid-off vehicles. Lower rate or refinancing option does not apply to current CEFCU loans or any vehicles that have been financed by CEFCU in the past 12 months. Rates and terms subject to change without notice. All loans subject to credit approval.
