汽车贷款计算器
Budget better by planning ahead
Tips for securing a first-rate auto loan
Buying a new car at a dealership is exciting, but it can also be overwhelming. Once you’ve found a vehicle you like, price negotiations begin at a tiny desk on the showroom floor and don’t actually end until you’ve exited the office of the F&I (finance and insurance) manager. To take some stress out of your new auto purchase, plan ahead by knowing how much you’re willing to pay and what loan 条款 you’d like. And once the buying process is complete, you can enjoy the thrill of owning your new vehicle knowing you got it on your 条款.
- 了解你的信用评分. Good credit may give you negotiating power on your loan rate.
- Use the auto loan calculator above to get a ballpark estimate for a loan amount and term length that work within your budget.
- Look 汽车贷款 that don’t include prepayment penalties or fees for early payoff.
- 考虑申请 WSECU汽车贷款 before purchasing your new vehicle from a dealer or private party — you’ll have less to worry about as you negotiate sales price.
- Getting your loan through the dealership? Know their lenders before purchase or go to a dealership that works directly with WSECU.
The value of preapproved auto loans
Getting an auto loan preapproval can make purchasing a vehicle easier. 你会知道你的利率, term length and all other qualifying conditions before you even step on a dealer’s lot. And because you’ve already secured your loan, the only point to discuss with the seller is price.
Simply take your preapproval to the dealership of your choice and your loan will be processed on-site.
You may also be eligible to purchase a vehicle from a private seller with your preapproval. Just complete your loan paperwork in 离你最近的分行 然后你就可以上路了.
Once you’re ready to make a purchase, you can think more about the car you want and less about how you’ll pay for it.