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汽车购物
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Check out our car-buying
information to save time 和 money.____________________________________
汽车购物
应用 在线 or Over the Phone
We’re 在这里 to make it easy for you to shop for 和 finance your new car! Check out our car-buying information to save time 和 money.
有问题? 给我们打电话. We’re happy to help.
Good luck with your car shopping!
Purchase Your Vehicle
You can apply online whether or not you’ve found your new car.
If you’re still shopping, we’ll let you know the maximum loan amount for which you qualify. Shop with confidence knowing that your financing is ready when you are!
Refinance Your Auto Loan
Whether you want to lower your monthly payment or pay less in interest, we can help!
When your monthly payments 和 your budget aren't getting along, let us see if we can help find a lower monthly payment. Want to reduce the interest you pay? Lower rates 和 shorter terms will help reduce your total interest payments on a loan. Whatever your goal, we’ll review your situation with you 和 come up with the best refinance options.
呼叫 us to Purchase or Refinance
To apply for an auto loan, 请打电话给 our Loan Center at 800.966.8200. We’ll take your application right over the phone.
Monday–Friday — 8:00 am to 6:00 pm
Saturday — 9:00 am to 1:00 pm
特殊服务
Exclusively for 直接金融 Car Buyers
Vehicle Service Program
直接金融 和 our partner CU Certified Automotive offer members the chance to purchase coverage through our Vehicle Service Program. You pick the level of coverage for mechanical breakdown, roadside assistance, 和 more: Powertrain, 标准, 高科技, 或综合.
购车答案 & 资源
基本的常见问题
- Will most Dealers or sellers accept a cashier's check?
Almost everyone accepts a cashier’s check as it is as good as cash.
- What is the easiest way to apply?
You'll get an immediate answer.
You can also visit any of our conveniently located branches or call us at 866-80-LOANS. - What if I am buying on Craig's list?
We cannot give you advice about the integrity of items sold on Craig’s list. We can tell you the transaction from our point of view is the same as a used auto sale.
- 学习 What Others are Paying
Before you go into the dealership, find out what other people have paid for similar models. This information is available (usually for a fee) from several websites, including 埃德蒙兹.com 和 ConsumerReports.org. You can also get an approximate idea for free from 网站. If you are a serious researcher, t在这里 are online forums w在这里 other shoppers share the details of the deals they’ve gotten. - If I have bad credit can I still get a loan?
是的, if you have a reasonable explanation for credit 和 have the ability to pay 和 job stability you can usually get a loan. - What rate will I get?
The rate you receive is based upon your credit. - Break The Deal Down
Dealers have several profit centers in each car deal: price, 退税, 易新价值, interest/lease rate, 银行费用, 维护, 保证, 额外的功能, 和 any other products the dealer is offering. By separating each of these costs, you can drive down the overall price by eliminating any "padding" the dealer may try to tuck into the deal. - Pricing -- "Invoice" vs. “互联网”和. 厂商建议零售价
For new cars, "invoice price" is what the dealer pays to get the car onto the lot. This is the cost the dealer has to cover, +利润, 和 it's always lower than the Manufacturer's Suggested Retail Price (厂商建议零售价) shown on the vehicle. You can find the invoice price online for a modest fee, 和 some dealers will tell you if you ask. It's perfectly reasonable to use this price as your starting point for negotiations.Many dealers offer "Internet" pricing. This number is often closer to their best price because it's based on working with buyers online, which reduces dealer overhead costs. A good strategy can be to contact several dealers by email 和 ask for their "best internet price" on the make 和 model you want. This is a good way to find the "no-nonsense" dealers that will negotiate in a straightforward fashion.
- Don't Go on Emotion
Take your time to find out the exact car you want 和 research the available options. You can find all the model information online, including feature packages, reliability ratings 和 more. Try to create a short list of cars you’re considering so you can you use your visit to the dealership to compare specific models 和 features. This strategy signals to the salesperson that you know what you’re doing.
Negotiating Tips 常见问题
- End of the Month Is Good, But...
The end of the month is not the only time to get a great deal. Dealerships are always motivated to sell cars. If you do want to take advantage of the dealer's urgency to meet his monthly goal or quota, start your negotiation a few days before. - 提前打电话
呼叫 the dealership before going t在这里 和 ask the salesman to have the car you want to drive ready. If you don't, it could have a dead battery, be buried behind other cars or even be stored off-site. - Set yourself up to be in a good position to get your next car
If you are going to purchase a car with little or no money down 和 you plan to replace it within 36 months, you will likely end up owing more money on the car than it's worth. This could create a cycle of taking negative equity from one car to another, further burying yourself in a negative trade cycle.而不是, lease it for a 36-month term, 和 you'll end up with a paid contract at the end of the lease.
- The Early Bird Gets Rolled
If you're the type who has to be the first on your block with the new Mustang, 细, but you probably won't get a good deal. The hype surrounding a new model (or a new version of an existing model) tilts the supply-dem和 ratio in the dealers' favor, allowing them to charge retail or even more when the new car hits the showroom. If you wait a few months for the actual inventory to arrive at the dealer, you'll usually get a better price. - Lower Payment Isn't Lower Price
If a salesman offers to lower your monthly payment by changing the terms of a loan or lease, he may not be offering much of anything. This is a common way to present a more comfortable payment for you without having to lower his price 和 profit. - 检查开关
If a dealer proposes to switch you from a new car to a used car, 反之亦然, get all the information on the second car. Then go home 和 research its market value. Take any false urgency such as, "This pre-owned car is a very special, 罕见的, low-mileage car that may be impossible to replace," with two grains of salt.Sometimes these pitches are at least partially true. If you feel that the car the dealer is showing you really is special, leave 和 gather your information quickly. You can always ask the dealer to hold the car for a while.
- Don't Waste Your Time
Before you start negotiating, make sure the dealer has the particular car you want in stock. If he doesn't, he can usually trade for it with another dealer. This can take a few days, 和 t在这里 is no guarantee that the dealer that can get the car for you. If not, you've wasted your time. Moreover, dealers typically offer better deals on cars they have in stock. - Don't Fall for False Urgency
Nine times out of 10, a deal the salesman quotes you will be available the next day (unless it's the last day of a special program). Prepare yourself to walk out of the dealership if you are being pressured 和 are uncomfortable.