当你准备买一辆新车的时候, 你可以从金融机构获得融资, 比如加拿大28软件或信用合作社, 或者直接从经销商处购买. 然而, financing your auto loan from a credit union offers several added benefits to members, 包括 利率高，条款灵活.
Explore the benefits of credit union auto financing as you prepare to purchase a vehicle. The choice may not only save you money, but also meet your individual needs, as well.
信用社汽车金融优势
以下是通过信用合作社买车的五个令人信服的理由.
1. 灵活承保
You’re more likely to get approved for credit union auto financing thanks to a flexible underwriting process. Credit union lenders value their relationship with you and can offer customized terms and 个人ized deals despite your credit history or current financial circumstances.
你还得走申请流程, a credit union can analyze your auto finance request on an individual basis. You won’t be automatically approved or rejected based on strict guidelines. 而不是, 信贷员可以考虑你目前的工作情况, 最近的财政困难, 预算限制, 以及其他情有可原的情况. You may even qualify for a loan if your credit score or history is less than stellar. 简单地分享你的信用报告的细节.
Rest assured that your car finance application will receive 个人ized attention at a credit union. You could also qualify even if your loan would be denied by a traditional bank. 先和信用合作社核实一下, and take advantage of the better approval odds provided by flexible underwriting.
2. 省钱
You can save money in several ways when you auto finance from a credit union.
First, credit unions automatically save customers money because they are not-for-profit. They intentionally cut overhead costs and will not charge customers higher interest rates or fees just to show a bigger profit margin on investor reports.
你还可以在会员所有的信用合作社存钱. All generated profits from deposit and loan accounts go back to the members, 包括 you.
Finally, because credit unions like to reward members, you will get a good deal on an auto loan. 信用合作社通常对汽车贷款收取较低的利息和费用. Plus, they can customize the loan amount, minimum charge, and length depending on your needs. 的确，汽车经销商和传统加拿大28软件提供汽车贷款交易. 他们甚至会货比三家，为你找到各种有竞争力的报价. 然而，总是从信用合作社调查汽车金融. You generally get access to a great deal with low interest and low fees when you take advantage of this auto finance option. 汽车制造商通常提供0%的融资或回扣. 在大多数情况下, you are better off taking the rebates and financing through a credit union opposed to taking the 0% offering. Doing the math of rebates and paying a super competitive rate versus 0% financing and no rebates pays off.
3. 用户友好的贷款体验
应用ing for and obtaining an auto loan from a credit union is quick and customized. 那是因为你是最重要的.
该过程从一种方便的应用程序方法开始. 完成申请 在线 或者打电话给我们的贷款热线269-488-5945.
Your loan officer will explain the available financing options and help you calculate the real cost of your vehicle. 一起，你会做出正确的选择，为您的预算和需求.
您可以选择方便和用户友好的付款方式. 在很多情况下，你可以选择贷款的到期日. 也, elect to have the payment automatically deducted from your credit union account or choose to mail or drop off payments.
如果你在付款时遇到困难，联系信用合作社. You will be put in touch with someone who will listen to your specific situation and offer you solutions to help you through tough times, 比如可能会调整付款日期或加拿大28免费大数据分析付款.
4. 接受个性化关注
你不仅仅是当地信用社的一个号码. 贷款人会知道你的名字和你独特的财务状况, which allows him or her to offer 个人ized customer service and support.
这从你第一次询问汽车金融的那一刻起就开始发挥作用了. The loan officer you talk to will review loan options with you and ensure you understand all the details.
当你准备好申请贷款时, 信用合作社的信贷员会倾听你的故事. 信贷员会用你的收入, 资产, 债务细节, 再加上其他情况, 创建自定义贷款报价.
在审批过程中, 欢迎您讨论灵活的还款方式, 包括贷款到期日. 另外，你永远不会有接受贷款的压力. 你的信用合作社贷款人总是优先考虑你的最佳利益.
You may also talk to your loan officer if your financial situation changes in the future. 如果你面临财务上的挑战或挫折，请相信这一点, 你的信用合作社贷款人会把你的需求放在第一位.
This 个人ized attention is one more reason why auto finance from a credit union is a great idea.
5. 获得许多好处
When you join a credit union, you get more than a flexible, competitive auto loan.
例如，你的信用合作社会员资格可以包括:
- 存款和储蓄账户利率上升
- 降低住房贷款和其他类型贷款的利率
- 降低了账户和贷款费用
- 获得低息信用卡
- 关于金融产品、服务和期权的教育
- 有机会决定信用社的未来
- 社区参与和改善
这些好处 save you money, help you manage your finances successfully, and boost your financial portfolio.
为什么信用社是汽车融资的好去处
下次你去买车的时候，看看你的 当地信用社. 你将获得财务渠道, 个人, 以及现在和未来都很有价值的社会效益.
在阿伯金融信用合作社, 我们期待着为您服务，并为您提供方便, 负担得起的, 买下一辆车的简单方法.
