Vehicle













 

 

Have you received a letter from us requesting proof of auto insurance? If so, click here


0% APR
If you have spotless credit, you may be approved for the 0% APR financing. However, one small credit blemish, and the rate goes up. These offers are usually restricted to short-term
loans (24 or 36 months), may require a larger down payment, or may only be offered on slow selling models.
Rebate Offers
If you choose to go with the dealer's rebate plan, you must forgo the low interest-rate loan and take a $1,500 to $3,000 cash rebate. This choice makes sense if you finance with RFCU. See how this can beat 0% financing in the examples provided.

The Cost You Can't See
Regardless of which financing option you think is right, do your homework on the hidden costs in dealer financing options.
Get the Best Deal
Some common sense is always applicable when looking for a great deal. Always be sure to look at the purchase price, trade-in value and financing options individually. Many manufacturers may throw one lump sum at you to hide the true value or create an opportunity to pad the purchase price or reduce the value of your trade without your knowledge of it.
Negotiate
Not many people enjoy bargaining with a car dealer for a lower price. Be polite, but persistent! Negotiate each cost separately; discuss financing last, and ALWAYS read the fine print.
What RFCU Can Do For You
It's no secret that RFCU offers great rates on auto loans. Usually, your best bet on an auto deal is to select the cash rebate and finance through RFCU. It may save you more money in the long run.
                        
 
                                              36-Month Comparison

RFCU                                      vs.                          Dealer
 
$20,000                                  Purchase Price       $20,000
$6,000                                    Trade-in                    $6,000
$2,500                                     Rebate                     $0.00
$11,500                                   Loan Total               $14,000
36 Months                               Term                         $36 Months
4%                                           *APR                         0%
$340                                        Monthly Payment     $389
 
$12,223                                  Total Loan Cost       $14,000
 
Financing with RFCU saves you over $1,777!!!!!
 
.
 
 
 
 
The ABC's of Auto Loans
 
 
 
 
Apply for pre-approval before you shop!
You'll know exactly how much you can spend, and you'll be able to negotiate the best price. Visit the Credit Union first, then visit the dealership and shop with confidence.
 
 
 
Buy the auto of your choice.
Whether it's new or used,  RFCU has the financing you need, at great low rates. With our easy application process. Check out our rates and apply online .
 
 
 
Cruise around in your beautiful new car! Send us a photo to put in our newsletter.

 

Home | What's New | Rates | Loans | Savings | Checking | Services | Online Services | About Us | Contact Us | Sitemap | Search ]

Apply for a loan!
National Credit Union Administration Privacy Policy
Notices, Terms, and Conditions
 
Design & Hosting by Harland Financial Solutions, Inc.
Browser Requirements
Copyright D+H All Rights Reserved.

Equal Housing