Get Behind the Wheel for Less!

GET BEHIND THE WHEEL FOR LESS! THE CREDIT UNION AUTO LO AN ADVANTAGE %$4 AVAILABLE PERSONALIZED FUNDS ATTENTION Credit unions are Credit unions made $80 member- and billion available in 2009 community-oriented for car loans even in the midst of the country's financial crisis Credit unions are more likely to work with you in difficult times Credit unions have the money and good relationships with car dealers to offer members affordable loans COMPETITIVE MEMBER-FOCUSED RATES & TERMS SERVICE Average rate on a $30,00o Credit unions work for car loan from a commercial their members and don't bank: 4.16% use high-pressure, sales- oriented tactics Average rate on a $30,000 Credit unions have a car loan from a credit personalized approach, union: 2.82% figuring out the loan that's best for each member TIPS FOR BUYING A NEW CAR BROWSE FIRST Visit a few dealerships and let them know you're just looking before entering into any negotiations GET PRE- APPROVED FINANCING THROUGH A CREDIT UNION Apply for a loan through your credit union online BE PREPARED TO WALK AWAY Don't accept a salesperson's first offer-be ready to say "no" or continue negotiations TIME YOUR PURCHAS E You may be able to find better deals at certain times of the year, such as during the holidays DO YOUR RESEARCH Estimate the dealer's cost including the features you want so you know where to begin negotiations INFOGRAPHIC PROVIDED BY www.mygcscreditunion.com GCS Sources: http://www.bankrate.com/finance/auto/6-reasons-to-get-a-credit- union-car-loan.aspx http://maney.usnews.com/money/blogs/my-money/2013/04/22/5- CREDIT UNION reasons-to-shop-at-a-credit-union-for-car-loans http://www.dailyfi nance.com/2011/04/01/live-tips-for-new-car-buyers/ http://editorial.autos.msn.com/10-tips-for-regret-free-car-buying http://www.bankrate.com/linance/auto/car-buying-tips/ %24