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汽车购物
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Check out our car-buying
information to save time 和 money.____________________________________
汽车购物
应用 在线 or Over the Phone
我们在这里是为了让你更容易地购买和资助你的新车! Check out our car-buying information to save time 和 money.
有问题? 给我们打电话. We’re happy to help.
Good luck with your car shopping!
Purchase Your Vehicle
You can apply online whether or not you’ve found your new car.
如果你还在购物，我们会让你知道你符合资格的最高贷款金额. 购物的信心，知道你的资金准备好了，当你是!
Refinance Your Auto Loan
无论您是想降低月供还是少付利息，我们都能提供帮助!
When your monthly payments 和 your budget aren't getting along, let us see if we can help find a lower monthly payment. Want to reduce the interest you pay? 较低的利率和较短的期限将有助于减少贷款的总利息支付. 无论您的目标是什么，我们都会与您一起审查您的情况，并提出最佳的再融资方案.
呼叫 us to Purchase or Refinance
To apply for an auto loan, 请打电话给 our Loan Center at 800.966.8200. We’ll take your application right over the phone.
Monday–Friday — 8:00 am to 6:00 pm
Saturday — 9:00 am to 1:00 pm
特殊服务
Exclusively for 直接金融 Car Buyers
Vehicle Service Program
直接金融和我们的合作伙伴CU Certified Automotive为会员提供通过我们的车辆服务计划购买保险的机会. You pick the level of coverage for mechanical breakdown, roadside assistance, 和 more: Powertrain, 标准, 高科技, 或综合.
Car Buying Answers & 资源
基本的常见问题
- Will most Dealers or sellers accept a cashier's check?
Almost everyone accepts a cashier’s check as it is as good as cash.
- What is the easiest way to apply?
You'll get an immediate answer.
您也可以访问我们便利的分支机构或致电866-80-LOANS. - What if I am buying on Craig's list?
我们不能给你关于克雷格清单上所售物品的完整性的建议. 我们可以告诉你，从我们的角度来看，这笔交易与二手车交易是一样的.
- 学习 What Others are Paying
在你进入经销商之前，了解一下其他人为类似车型付多少钱. 这些信息可以从几个网站上获得(通常需要付费)，包括 埃德蒙兹.com 和 ConsumerReports.org. You can also get an approximate idea for free from 网站. If you are a serious researcher, 在网上论坛上，其他购物者可以分享他们所得到的优惠的细节. - If I have bad credit can I still get a loan?
是的, 如果你对信用有合理的解释，有支付能力和稳定的工作，你通常可以获得贷款. - What rate will I get?
The rate you receive is based upon your credit. - Break The Deal Down
Dealers have several profit centers in each car deal: price, 退税, 易新价值, interest/lease rate, 银行费用, 维护, 保证, 额外的功能, 和 any other products the dealer is offering. By separating each of these costs, 你可以通过消除经销商试图在交易中塞进的任何“填充物”来降低整体价格. - Pricing -- "Invoice" vs. “互联网”和. 厂商建议零售价
对于新车，“发票价格”是经销商将车开到停车场的费用. This is the cost the dealer has to cover, +利润, 而且总是低于汽车上显示的制造商建议零售价(厂商建议零售价). 你可以在网上找到发票价格，费用适中，如果你问，一些经销商会告诉你. 以这个价格作为谈判的起点是完全合理的.Many dealers offer "Internet" pricing. 这个数字通常更接近他们的最佳价格，因为它是基于与在线买家的合作, which reduces dealer overhead costs. 一个好的策略是通过电子邮件联系几家经销商，询问他们关于你想要的品牌和型号的“最优惠的网络价格”. 这是找到“严肃”的经销商的好方法，他们会以直截了当的方式进行谈判.
- Don't Go on Emotion
花点时间找出你想要的车，研究一下可用的选择. You can find all the model information online, including feature packages, reliability ratings 和 more. 试着列出一份你正在考虑的汽车的简短清单，这样你就可以在去经销商那里的时候比较特定的车型和功能. 这个策略向销售人员表明你知道自己在做什么.
Negotiating Tips 常见问题
- End of the Month Is Good, But...
The end of the month is not the only time to get a great deal. Dealerships are always motivated to sell cars. 如果你想利用经销商的紧迫感来完成他的月度目标或配额, start your negotiation a few days before. - 提前打电话
在去那里之前打电话给经销商，让销售员准备好你想开的车. 如果你不这样做，它可能有一个没电的电池，被埋在其他汽车后面，甚至被存放在场外. - Set yourself up to be in a good position to get your next car
如果你打算买一辆车，首付很少或没有，你计划在36个月内更换它, you will likely end up owing more money on the car than it's worth. 这可能会形成一个将负资产从一辆车转移到另一辆车的循环, further burying yourself in a negative trade cycle.而不是, lease it for a 36-month term, 和 you'll end up with a paid contract at the end of the lease.
- The Early Bird Gets Rolled
如果你是那种想在你的街区第一个拥有新野马的人, 细, but you probably won't get a good deal. 围绕一款新车型(或一款现有车型的新版本)的炒作使供需比向有利于经销商的方向倾斜, 允许他们收取零售费用，甚至在新车进入展厅时收取更高的费用. 如果你等几个月，等到实际库存到达经销商那里, you'll usually get a better price. - Lower Payment Isn't Lower Price
如果销售人员提出通过改变贷款或租赁条款来降低你的月供, he may not be offering much of anything. 这是一种常见的方式，在不降低价格和利润的情况下为你提供更舒适的付款. - Check the Switch
If a dealer proposes to switch you from a new car to a used car, 反之亦然, get all the information on the second car. Then go home 和 research its market value. Take any false urgency such as, "This pre-owned car is a very special, 罕见的, low-mileage car that may be impossible to replace," with two grains of salt.Sometimes these pitches are at least partially true. If you feel that the car the dealer is showing you really is special, leave 和 gather your information quickly. You can always ask the dealer to hold the car for a while.
- Don't Waste Your Time
在你开始谈判之前，确保经销商有你想要的特定汽车的库存. If he doesn't, he can usually trade for it with another dealer. 这可能需要几天的时间，也不能保证经销商能帮你拿到车. If not, you've wasted your time. 此外，经销商通常会对他们库存的汽车提供更优惠的价格. - Don't Fall for False Urgency
Nine times out of 10, 销售人员给你的报价第二天就可以用了(除非是特殊项目的最后一天). 如果你感到压力和不舒服，准备好离开经销店.