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Get new and used car prices and information at NADAguides.com. It's fast, easy and free!
Kelley Blue Book provides free values and pricing on new and used cars. New car pricing includes invoice, MSRP and New Car Blue Book Values. Used car pricing includes trade-in, retail, and private party Blue Book Values. Kelley Blue Book also offers free dealer price quotes, reviews, advice, financing and insurance options and the ability to list your vehicle for sale and search used car listings.
When buying a car, the first thing to do is set a budget. It is recommend that your monthly auto payment be no more than 20% of your gross monthly income. Click here to use our auto loan calculator and figure your monthly payment.
There is so much information online to help you determine which car is right for you. From pricing to color to packages, it is easy to get confused. The more information you have, the better decision you can make when choosing a car to fit your budget and lifestyle.Click here to research cars using CU Member Auto Center. You can even make a request for more information if you find a car you like.
Get Credit Union Financing First. Many times, a dealer may try to trick you into 0% or low-interest rate financing. This may not always be the best option for you. Click here to use our Dealer vs. CU Financing Calculator and compare the two options. Apply for a loan today.
Once you have been approved for your loan, you are ready for the test drive. It is also important that you have negotiated with the dealer over the phone or through email. This will save you time and hassle when you visit the dealer for your test drive.
Don’t forget to research the value of your trade-in if you are using your current car a part of your down payment. You may view trade in values here. Ask the dealer to show you the offer for your trade-in separate as dealers sometimes try to package the amount with your final monthly payment. It is important that you clearly understand the overall purchase price, your monthly payment, and value of your trade-in when closing the deal.
Protect your investment with Mechanical Breakdown Protection. MBP provides protection against mechanical breakdowns beyond your existing manufacturer's warranty.
Contact a Neches FCU Loan Officer for more information!
GAP Coverage covers the "gap" between the amount you owe on your auto loan and the car's actual cash value in the event of a total loss.
Contact a Neches FCU Loan Officer to get GAP Coverage today!
When buying a home, think of it as a long term decision. If you cannot commit to staying in one place for at least a few years, then buying a home is probably not for you just yet. You may end up losing money through the transaction cost of buying a selling a home.
As you will most likely need a mortgage to buy your home, it is important to make sure your credit history is in line. A few months before you begin house hunting, get copies of your credit report. This will help you review that the facts are correct and give you time to fix any problems you may discover.
Don’t buy more house than you really need. When thinking about your budget, a good rule of thumb is to buy a house that’s value is about two-and-one-half times your annual salary. It is also recommended to make sure your monthly payment is no more than 25% of your monthly take home pay. Click here to use our mortgage calculator to help you figure out how much house you can afford. When figuring what your monthly payment should be, keep in mind other factors including car payments, other debts, and saving for retirement.
Getting pre-approved will help you when hunting for a home. It will help keep you from looking at houses that are out of your budget while putting you in a better position to make a serious offer when you find the right house for you. Click here to complete a loan application and get pre-approved.Don't hesitate to contact us for more information about buying a home.