GET YOUR LOAN. BUY WITH CONFIDENCE. DRIVE HAPPY.
FOUR SIMPLE STEPS TO HELP YOU GET THERE.
STEP 1: COMPARE AUTO RATES.
Rates effective as of October 8, 2020
Rates subject to change without notice.
STEP 2: RESEARCH VEHICLE VALUE AND CALCULATE YOUR AUTO LOAN PAYMENT.
STEP 3: APPLY TO GET PRE-APPROVED AND SAVE MONEY.
KNOW YOUR CAR'S VALUE
Check NADA for car prices so you can decide what is a fair price to pay for the vehicle. Very few vehicles actually sell for MSRP (Manufacturer’s Suggested Retail Price or “sticker price.”) Negotiate a sales price from the invoice price up - not down from the MSRP. Taxes, registration, and transportation costs are not included in MSRP.
TAKE THE REBATE
Sometimes buyers have the option of choosing between rebates or zero percent financing – but not both. In most cases, you are better off taking the rebate rather than zero percent interest. Losing out on the rebate means you pay more for the car – more than if you would have taken the rebate and financed at a low rate. We can guide you through both options and help you decide what would be best for you.
Credit Life Insurance helps cover the loan balance in the event of a borrower's death.
Credit Disability Insurance helps cover loan payments if covered borrower becomes totally disabled.
Mechanical Repair Coverage (MRC) helps protect against the cost and inconvenience of breakdowns.
Guaranteed Asset Protection (GAP) pays the vehicle's cost not covered by primary insurance when it is totaled or stolen.
* APR = Annual Percentage Rate
Rates above include direct deposit, return business, and multi-product discounts.
All loan rates are based on credit history. All loan rates are subject to change. Not all members and/or vehicles are eligible for 72 or 84 month financing.
Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, or of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP), is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the GAP Waiver Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel GAP protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product. Route 66 Extended Warranty’s Mechanical Breakdown Protection is an optional mechanical coverage that is not required as part of any loan agreement. The coverage is administered by Route 66 Extended Warranty P.O. Box 1075, Mountain Home, AR 72654-1075, 1-800-808-0828.