Car shopping includes many considerations. In addition to the make, model, and color of your dream car, you’ll need to think about vehicle financing, leasing versus buying, and how a car payment will fit into your budget.

Empower your decision-making with these car-buying resources!

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• Want to spend less on your car payments? Here’s what you need to do. If you're looking for the best interest rate on a new or used auto loan, you're more likely to save money if you get preapproved before you set foot on a car lot. In this article, we’ll explain what preapproval is and why it’s important to get your ducks in a row with your auto loan prior to car shopping if you want to keep your car payments as low as possible.
• When is the best time to buy a car? When is the best time of week, month, and year to buy a car? Find out what you need to know when hunting for the right new or used vehicle.
• How to afford a car in a difficult economy: The market goes up and down. In this article, we provide an overview of ideas on how to get the best deal on the right vehicle for you.
• The truth about zero-interest car loan offers: Car dealerships will sometimes offer interest-free financing for select new cars to spur business. Also known as “zero-interest financing” or “0% financing,” these deals can be very enticing. But like anything that sounds too good to be true, you need to look beneath the surface to discover the catch. This article will help you weigh the pros and cons of zero-interest rate offers. 
• How you can avoid paying too much for your auto loan (and what to do if you already are): Did you get stuck with a costly car payment due to a high-pressure car sales pitch? This article will help you understand what your options are so you can lower your monthly payment.
• 8 best hacks for purchasing cars in today’s market: This article shares eight power-packed tips to help you navigate a challenging car market. 

You can also schedule a confidential, FREE 1-on-1 coaching session with a Certified Credit Union Financial Counselor™ (CCUFC) to get answers about personal finance. 

You have options! Our team can help you understand ways to negotiate for the best deal possible in this high demand, low supply market. Contact our Lending experts at 1-800-359-1939, option 2 or stop by your local CAFCU branch to learn more. Here are other ways you can contact our team.

Make sure you're ready to negotiate by bringing your preapproval letter so you know what you can afford to spend. It only takes a few minutes to apply online by clicking below.

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