Auto Loan
Buying a new vehicle can be both exciting and stressful. With an auto loan from VacationLand Federal Credit Union, we can handle the stress so you can focus on the excitement. Our loan advisors can walk you through each step so you're in total control of the whole process. Get pre-qualified before stepping onto the lot for additional negotiating power!
- Summary
- New or used
- Low rates
- Flexible terms
- Easy repayment plans
- Pre-approval available
- Easy application process
- Fast, reliable service
- Personal attention
- Refinancing available
- Customized loans to fit your needs
Get financing for:
- Cars
- Trucks
- Recreational vehicles
- Campers
- Trailers
- Boats
- Jet skis
- Motorcycles
Membership eligibility is required with a minimum deposit of $25.00 in a Share/Savings Account. Member must be in good standing with VLFCU. APR = Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications or loan to value. Not eligible with any offer or discount. Rates are subject to change or cancellation without notice. VSI fee of $23.16, Loan Processing Fee of $150.00 and vehicle insurance is required.
- Buying New vs. Used
Knowing whether you should purchase a new or used vehicle can be a tough decision. It comes down to what you want and how much you can afford.
Buying a new vehicle has many advantages, including getting the vehicle exactly as you want it, obtaining full manufacturer's warranty, and having little if anything to worry about when it comes to repairs.
However, buying used can be a better choice, especially if your budget is limited. There are many late models are on the market, some with a portion of the manufacturer's warranty remaining.
Two factors to check before you buy are that the car is in good mechanical shape and that it is priced fairly. VactionLand FCU urges you to have any used vehicle you are considering buying checked by a qualified mechanic. The charge is minimal, usually $50 to $100, and includes checking all the vehicles' major systems: engine, transmission, electrical, heating, cooling, and brakes. Fair market value can be easily determined by consulting any number of pricing guides available at the credit union or on the internet.
Whether you decide to buy new or used, VacationLand Federal Credit Union urges you to carefully consider all of the pros and cons before you visit either car lots or car dealerships. When you're ready to buy, we'll be ready with reasonable finance terms and competitive used vehicle loan rates to save you money.
