Looking for a way to pay off your debt and save on your monthly payments? We're so confident we can save you $100 or more this year by consolidating your debt, we'll double your money and give you $200* if we can't.
Are you paying...
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High interest rates on department store or other credit cards?
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Private Mortgage Insurance?
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More than 4.00% APR on your auto loan?
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More than 4.00% APR on your mortgage or home equity loan/line?
Interest rates are at all-time lows making now a great time to consolidate your debt and save. Stop by any
Financial Center location to take the $200 Challenge today!
*Restrictions may apply. Must have a minimum of $10,000 in additional debt; excluding any Financial Center loans or credit cards. Not eligible for the refinance of existing Financial Center loans. Introductory rates and proprietary dealer financing on existing products are ineligible. Comparisons are made using any one or combination with other institutions. Must meet membership requirements. Subject to credit approval and underwriting guidelines. All calculations compared against Financial Center's best rates. Documentation of existing rates may be required. Only one $200 given per household. $200 will be reported as interest income to the IRS on form 1099INT. Offer subject to change.
The good feeling you get when you drive a new car off the lot can be ruined quickly if you're wondering whether you paid too much. These tips can help you be sure you get the best deal possible on your auto loans Indianapolis.
Timing is Everything
Shop for a vehicle at the end of the month. A salesperson that is close to his monthly incentive quota will be more likely to accept a lower price or throw in free upgrades to close a sale.
Ask for a Dealer Quote
Take control of the negotiation process by calling dealers and asking for an up front quote for a particular automobile. If a dealer won't give you a quote over the phone, move on to one who will.
Offer Less
Don't feel guilty about price negotiations. It's the best way to get a great deal. Ask to see the dealer invoice and make your offer accordingly.
Looking for a new auto this spring? Avoid getting in over your head by following these simple guidelines when car shopping for auto loans Indianapolis.
Don't buy more than you can afford.
As a rule of thumb, your total car expenses should be no more than 25% of your household income, and that includes your loan payment, insurance, fuel and maintenance for all cars in your household.
Sell your vehicle outright, especially if you are upside down on it.
If unsuccessful you can still finance a new vehicle up to 120% loan-to-value which absorbs your negative equity. Given the low interest rate environment, your auto loan payment can still be manageable in spite having to pack in the negative equity on the trade in.
Consider extending the term of your contract by 6-12 months to make Mechanical Breakdown Protection fit into your budget.
Cars are built to last longer with the average age of a vehicle in our driveways being almost ten years old. You can still finance your car for 5-7 years and have three or four years of no car payment. This saved money can go towards the down payment of your next car or auto insurance Indianapolis.
Avoid paying out-of-pocket expenses if you have an accident or if your vehicle is stolen.
Consider buying
Guaranteed Asset Protection (GAP) coverage from Financial Center, an Indianapolis credit union, which covers any difference between what you owe on your auto loan and how much the insurance company values your automobile for.
Ask for Financial Center when shopping for your next car.
Click here for a list of all the local auto dealers who offer Financial Center auto loans. Financial Center offers
very competitive Indianapolis loan rates, low fees, and excellent member service. And if you buy soon,
we'll even make your first payment for you!Apply online today!
Auto loan rates at our
Indianapolis credit union are as low as 2.59% APR*, and for a limited time you can earn up to $300 when you finance your next vehicle or refinance your existing vehicle with our Indianapolis credit union.**Call us today at 317.916.7700 or 800.473.2328 to take advantage of this great Indianapolis loan rates offer.Also, stop in to one of our
Indianapolis Bank locations.
*APR = Annual Percentage Rate. Rate subject to change and credit approval. Underwriting guidelines apply.
** Financial Center will make the first auto loan payment up to $300 at the time of loan disbursement. Interest will continue to accrue on the loan beginning the date of disbursement. This offer is not redeemable for cash. First loan payment offer is not available on refinancing existing Financial Center loans. First payment offer valid on auto loans closed between January 15, 2012, and April 15, 2012. Financial Center reserves the right to end this promotion at any time. Cannot be combined with other offers. Member agrees to repay Financial Center the first payment amount that was paid by the Credit Union if this loan is paid off within six months.
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