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What is your car worth?
What is that vehicle you have your eye
on worth?
Click on the image to navigate to
Edmonds Car Book
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Automotive repair costs will continue to rise and the likelihood of major mechanical failure on your vehicle will increase. A Service Agreement can give you the peace of mind that you are protected against future, costly repairs. Click the logo to learn more... |
 We have some of the best rates around on Auto Loans and very flexible terms. Apply on-line or come in and see us to get preapproved for your next car or truck purchase. Let us put you behind the wheel of the vehicle you really want!
NEW AUTO LOANS:
Check out our "Great Loan Rates" . . Same great rates for new and used autos.
Financing is available up to 100% of retail value with terms up to 72 months.
0% vs. Cash Rebate
0% sounds pretty good, however, fewer than 10 out of 100 people actually receive the 0% APR due to the narrow qualifications set up by the auto manufacturers. And, when you don't qualify for the 0%, the finance managers will move you to a higher rate that is usually higher than the rate you can get at the credit union.
So, if the dealership is offering a rebate, it can sometimes be a better deal to take the credit union financing and the rebate. The dealership will only let you choose 0% or the rebate - they will not let you have both. If a person chooses 0% APR financing over the cash rebate, the value of the rebate is typically added back to the cost of the car. This ultimately makes the car more expensive, as the loss of the rebate constitutes a hidden finance charge. Many times, dealerships will not come down off the sticker price of the car if they are offering 0% financing.
With Appalachian Community Federal Credit Union, you can have both a cash rebate and low interest financing. Get pre-approved for your next vehicle and use the rebate as the downpayment.
USED AUTO LOANS:
You can receive the new car rate on vehicles up to 10 years old and having less than 50,000 miles. We will loan up to 100% of retail value with terms up to 72 months.
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