How to Buy a Car

Know how much you can afford. This is not just the monthly payment, but how much the overall cost of the vehicle is and how long you want to pay on your loan. Click here for a link to our loan calculator.
Know how much insurance will be. In most cases, you will be required to have full coverage insurance on your car as long as you have a loan for it. It is important to calculate insurance prices before you buy. Sometimes, the cost of insurance can put you over your original budget.
Figure out how much down payment (if any) you can afford. This will affect the monthly payment amount on your loan and perhaps the term.
If you need further help calculating payment options, always call the credit union for help before you buy. We will help you find the right loan amount for your income so you don't over buy.
Do your research. Know the value of the car you wish to buy. Our online Web site has all the information you need to research new vehicles, get the value of your current vehicle, calculate payments and much more.
Get preapproved from us before you go to the lots. Your personal loan officer will assist you in finding the right loan for your needs.