新的数字银行——即将到来! Digital 银行ing is currently unavailable while we finalize a new Digital 银行ing experience as part of our systems integration. We will email you after the new platform is live for you to explore the new features 和 functionality. 与此同时, visit our website to learn more about what to expect 和 how you can prepare for a smooth transition.
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汽车购物
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看看我们的汽车购买
信息节省时间和金钱.____________________________________
汽车购物
网上或电话申请
We’re here to make it easy for you to shop for 和 finance your new car! 查看我们的购车信息，节省时间和金钱.
有问题? 给我们打电话. 我们很乐意帮忙.
祝你购车顺利!
购买你的车辆
不管你是否找到了你的新车，你都可以在网上申请.
If you’re still shopping, we’ll let you know the maximum loan amount for which you qualify. Shop with confidence knowing that your financing is ready when you are!
为你的汽车贷款再融资
Whether you want to lower your monthly payment or pay less in interest, we can help!
当你的月供和预算不协调时, 让我们看看能不能找个低一点的月供. 想要减少你支付的利息? Lower rates 和 shorter terms will help reduce your total interest payments on a loan. Whatever your goal, we’ll review your situation with you 和 come up with the best refinance options.
打电话给我们购买或再融资
要申请汽车贷款，请拨打我们的贷款中心电话800.966.8200. 我们会在电话上处理你的申请.
星期一至五上午八时至下午六时
星期六-上午九时至下午一时
特殊服务
专为直接金融购车者
车辆服务计划
直接金融 和 our partner CU Certified Automotive offer members the chance to purchase coverage through our 车辆服务计划. 你选择机械故障的覆盖级别, 路边援助, 以及更多:动力系统, 标准, 高科技, 或综合.
购车答案 & 资源
基本的常见问题
- 大多数经销商或卖家接受银行本票吗?
几乎每个人都接受银行本票，因为它和现金一样好用.
- 最简单的申请方式是什么?
你会立即得到答复.
You can also visit any of our conveniently located branches or call us at 866-80-LOANS. - 如果我按照克雷格的清单买呢?
We cannot give you advice about the integrity of items sold on Craig’s list. We can tell you the transaction from our point of view is the same as a used auto sale.
- 了解别人在支付什么
Before you go into the dealership, find out what other people have paid for similar models. This information is available (usually for a fee) from several websites, including 埃德蒙兹.com 和 ConsumerReports.org. 你也可以免费从 网站. 如果你是一个认真的研究者, there are online forums where other shoppers share the details of the deals they’ve gotten. - 如果我信用不好，我还能得到贷款吗?
是的, if you have a reasonable explanation for credit 和 have the ability to pay 和 job stability you can usually get a loan. - 我能拿到多少钱?
您收到的费率取决于您的信用. - 打破交易
经销商在每笔汽车交易中都有几个利润中心:价格, 退税, 易新价值, 兴趣/租赁率, 银行费用, 维护, 保证, 额外的功能, 以及经销商提供的任何其他产品. 通过分离这些成本, you can drive down the overall price by eliminating any "padding" the dealer may try to tuck into the deal. - 定价——“发票”vs. “互联网”和. 厂商建议零售价
For new cars, "invoice price" is what the dealer pays to get the car onto the lot. 这是经销商必须支付的费用, +利润, 和 it's always lower than the Manufacturer's Suggested Retail Price (厂商建议零售价) shown on the vehicle. You can find the invoice price online for a modest fee, 和 some dealers will tell you if you ask. It's perfectly reasonable to use this price as your starting point for negotiations.许多经销商提供“互联网”定价. This number is often closer to their best price because it's based on working with buyers online, 这样可以降低经销商的间接成本. A good strategy can be to contact several dealers by email 和 ask for their "best internet price" on the make 和 model you want. This is a good way to find the "no-nonsense" dealers that will negotiate in a straightforward fashion.
- 不要继续情绪化
Take your time to find out the exact car you want 和 research the available options. 你可以在网上找到所有的模型信息, 包括功能包, 可靠性评级等. Try to create a short list of cars you’re considering so you can you use your visit to the dealership to compare specific models 和 features. This strategy signals to the salesperson that you know what you’re doing.
谈判技巧及常见问题
- 月底很好，但是...
月底并不是买到好东西的唯一时间. 经销商总是有销售汽车的动力. If you do want to take advantage of the dealer's urgency to meet his monthly goal or quota, 提前几天开始谈判. - 提前打电话
呼叫 the dealership before going there 和 ask the salesman to have the car you want to drive ready. If you don't, it could have a dead battery, be buried behind other cars or even be stored off-site. - 让自己处于一个很好的位置去买下一辆车
If you are going to purchase a car with little or no money down 和 you plan to replace it within 36 months, 你最终可能会欠下比它的价值更多的钱. This could create a cycle of taking negative equity from one car to another, 进一步将自己埋在负面的贸易循环中.而不是, 租期36个月, 在租期结束时，你会得到一份有偿合同.
- 早起的鸟儿被叫醒
If you're the type who has to be the first on your block with the new Mustang, 细, 但你可能不会得到一个好的交易. The hype surrounding a new model (or a new version of an existing model) tilts the supply-dem和 ratio in the dealers' favor, allowing them to charge retail or even more when the new car hits the showroom. If you wait a few months for the actual inventory to arrive at the dealer, 你通常会得到一个更好的价格. - 低支付并不意味着低价格
If a salesman offers to lower your monthly payment by changing the terms of a loan or lease, 他可能不会提供太多东西. This is a common way to present a more comfortable payment for you without having to lower his price 和 profit. - 检查开关
如果经销商提议把你的新车换成二手车, 反之亦然, 找到第二辆车的所有信息. 然后回家研究一下它的市场价值. 采取任何虚假的紧急情况，例如, “这辆二手车非常特别, 罕见的, 可能无法替代的低里程汽车,“加了两粒盐.有时候，这些说法至少部分是正确的. 如果你觉得经销商给你看的车真的很特别, 离开并迅速收集你的信息. 你可以随时要求经销商把车停一段时间.
- 不要浪费你的时间
Before you start negotiating, make sure the dealer has the particular car you want in stock. 如果他没有，他通常可以与其他交易商交易. This can take a few days, 和 there is no guarantee that the dealer that can get the car for you. 如果没有，你就是在浪费时间. Moreover, dealers typically offer better deals on cars they have in stock. - 不要陷入虚假的紧急状态
十有八九, a deal the salesman quotes you will be available the next day (unless it's the last day of a special program). Prepare yourself to walk out of the dealership if you are being pressured 和 are uncomfortable.