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Five Reasons for Using Auto Advisors Buying Service
| 1. | An Auto Advisor will become your personal consultant as soon as you receive your Community First Credit Union auto pre-approval – we connect you with your Auto Advisor before you leave! |
| 2. | You’ll enjoy Auto Advisor’s unbiased advice on new and used cars, financing, aftermarket items (spoilers, striping, undercoating, paint sealant, etc.) and straight talk on extended warranties, GAP insurance and service contracts. |
| 3. | Auto Advisor acts as your negotiator, investigating offers, eliminating you from haggling over prices and or feeling pressured to make an instant decision. |
| 4. | Ready to test drive that car? Auto Advisors will meet you at the dealership and stay with you every step of the way. Once you’ve made your decision, Auto Advisors will coordinate your Community First auto pre-approval with the dealership and help with any paperwork still needed. |
| 5. | Your Auto Advisor expert will eliminate all the pressure and worry that buying a car may involve, so you can begin enjoying your new auto before your even leave the desk of your Community First trusted advisor! |
| Now you have five good reasons why Community First Credit Union membership pays benefits every day! |
0% FINANCING – IS IT REALLY FREE?
The Truth About 0% Financing
If it sounds too good to be true…it probably is!| 1. | Qualifying for 0% financing means you must have perfect credit – no history of late payments or excessive amount of outstanding credit |
| 2. | The loan term is usually short (24 – 48 months), which will make the monthly payments higher for your budget |
| 3. | There often is an “origination fee” or other fees to obtain 0% financing |
| 4. | Since the auto company isn’t making money on interest on the loan, there won’t be any haggling on the price – you’ll pay MSRP – and it won’t be eligible for any dealer rebates. |
| COMPARISON | Auto Dealer 0% Financing for 36 Months | Community First Financing 5.00% 60 Months |
| Vehicle Selling Price | $20,000 | $20,000 |
| Manufacturer’s Rebate | $0 | $3,000 |
| Amount Financed | $20,000 | $17,000 |
| Finance Charges | $0 | $2,250 |
| TOTAL COST | $20,000 | $19,250 |
| Payments | $556.00 | $320.00 |
You Save $236 each month by financing with Community First!
Auto Advisors Buying/Locator Service
The value of Auto Advisors Buying/Locator Service
To Community First Credit Union Members| AUTO ADVISORS FEATURE | BENEFIT TO YOU |
| Acts as a personal consultant and works on your behalf to provide unbiased advice | Get straight talk on cost, financing, aftermarket products like striping, undercoating, etc., as well as rebates and trade-in values |
| There’s no pressure from a salesperson, no haggling with the dealer over prices and no guesswork about contract terms | With a Community First auto pre-approval, Auto Advisors searches for the best deals and the best trade-ins, saving you time, worry, and money! |
| Auto Advisors is a buying/locator service, and are dedicated to make sure you enjoy a great car-buying experience, including saving you money | Eliminates undervalued trade-in offers, negotiates the best price on your behalf, saves you from those “extra” charges mounting up in the final price, or outrageous markup on that pin striping you just have to have. |
Auto Advisors Buying/Locator Service is a “no cost” benefit that will make your auto buying experience as easy as 1, 2, 3!
| 1. | Community First will pre-qualify you for your purchase, and you can have your Auto Advisor get to work before you even leave the branch! |
| 2. | Auto Advisor will do all the legwork for you – locate the vehicle, set up an appointment with the dealer for a test drive, and even accompany you to the dealership to ensure you receive a fair price and a fair trade in. |
| 3. | You’ll be on the road in your new purchase in no time, without the stress, the worry, and many hours often involved in dealership transactions! |
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