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Step 1
Decide what you can afford
Analyze your budget to determine how much you can comfortably afford to spend each month on an auto loan. Our financial calculators can help you estimate payments and compare different loan amounts and terms.
Step 2
Get Preapproved
Before you visit the dealership, apply online or give us a call to get preapproved for an auto loan.
Knowing your budget and having a preapproval in hand can give you confidence while shopping and may strengthen your negotiating position.
Not sure if you’ll qualify? Contact a credit union representative to discuss your options and review the factors that may impact approval.
Step 3
Do the Research
Once you know your budget, research the vehicles that best fit your needs. Consider not only the purchase price, but also fuel costs, insurance, maintenance, and reliability.
Knowing fair market value of a vehicle can help you negotiate a better deal.
We recommend JDPower.com for a good place to start your research.
Step 4
Start Shopping
Now that you’re preapproved, you can focus on finding the right vehicle.
Shop at any dealership or through a private party seller. Since you already know how much you’ve been approved for, you can compare vehicles, negotiate with confidence, and avoid falling in love with a vehicle outside your budget.
If you find a vehicle you’d like to purchase, contact United Trades FCU and we’ll help guide you through the next steps.
Step 5
Get Insurance Quotes
Before completing your purchase, start gathering insurance quotes. Premiums can vary significantly between providers, so shopping around may save you money.
Having insurance lined up ahead of time can help avoid delays when you’re ready to take delivery of your vehicle.
Step 6
Negotiate the Deal
Once you’ve selected your vehicle, contact United Trades FCU to finalize your loan.
We’ll review the vehicle information, complete any remaining paperwork, and work directly with you to make the financing process as smooth as possible.
Already have a loan somewhere else? Ask us about refinancing and see if we can help reduce your payment or save your money over the life of your loan.
Ready to get started?
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Already Bought Your Vehicle?
You may still be able to save money. United Trades FCU offers auto loan refinancing options that could lower your rate, reduce your payment, or both.
