Are Those Vehicle Deals Really That Good?

0% financing might not be as great you as think it is. 0% financing is usually only available to those with great credit. And, the rate may be limited to Steering wheelcertain models and/or dealership’s current inventory. Less than 10% of consumers get 0% or even a low rate.

If you have a vehicle loan with another lender, bring us your paperwork. We can take a look at it to see if you got the best deal. Some things to consider:

  • Was there an application fee?
  • Did you get the best possible rate?
  • Would taking a rebate have been better?
  • Were there “dealer charges”?
  • Would a shorter repayment term actually save you money?
  • Is there a pre-payment penalty?

If you didn’t get a good deal, you may want to consider refinancing at Choice One.

Always stop by before you purchase a car. We will check to see if their rates and terms are better than ours before you purchase.

We can match rates up to 1.59% APR* New & 2.59% APR* Used!

*APR = Annual Percentage Rate. Rates shown are subject to change and are for qualified borrowers. Includes .25% AutoPay discount. Your loan rate may vary based on your credit history. Complete details are available at the credit union.


 

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