Community: Blog, Connect with CCCU, Testimonials


How can I get the best deal on a car? - CCCU

 Monday, August 19    CCCU
How can I get the best deal on a car? - CCCU

How to Get the Best Price on a Car Without Haggling at the Dealership

If you’ve purchased a car before, the thought of going through the process again might make you want to start riding a bike instead. By researching makes and models, finding the best deal, determining your trade-in value, negotiating prices, evaluating warranty terms, and figuring out how to get a good loan rate, buying a car can be a serious hassle! If you want to get some new wheels sans all the fuss, we’ve got you covered. Read on to find out how to get the best price on a car in Portland–and elsewhere!–without haggling.

How can I get the best deal on a car?

Whether you have experience purchasing a vehicle or are thinking about buying your first car, you might be wondering, How can I get the best deal on a car? Believe it or not, you can get a better price on a vehicle and a good loan rate without spending an entire weekend negotiating with a salesperson.
The first thing you’ll want to do is find an automobile you’d like to buy. You can do this online by researching makes and models, reading reviews, checking Kelley Blue Book or other auto valuation guides, and figuring out where a particular car is for sale in your area. If you currently own a vehicle and are looking to trade it in, Kelley Blue Book can also give you an idea of its current value. This information will help you cut to the chase when you start corresponding with dealerships.
Next, contact multiple dealerships selling the car you want. You can call or email them directly, and some even let you communicate with a salesperson via text now. You shouldn’t have to wait long to get a response. If you hear back from multiple sellers and they offer you different prices for the same car, let the person who gave you the higher quote know that you have a better offer from another dealership. They might be able to provide a vehicle discount or let you quickly negotiate a fairer price at or close to the car’s actual market value.

The best types of car loans and where to get them

Once you’ve settled on a car for a fair price that makes sense for your budget, the salesperson will most likely offer you financing from the dealership. However, you can save yourself money in the long run if you know about the best types of car loans available and where to get them. Typically getting a loan through a local credit union can get you better loan rates at friendlier terms.
Consolidated Community Credit Union offers several types of personal loans, including new and used auto loans. With our car loans, we give you payoff terms with up to 84-months, and we even offer 100% financing for those without a down payment or a car to trade in. View our current auto loan rates to learn more about how we can help.

CCCU New and Used Auto Loans in Portland

Our auto loan rates are competitive and much lower than those offered by car dealerships. If you apply for a car loan with CCCU now and get approved, you’ll be prepared to make an offer and can avoid a lot of back-and-forth with the dealership.
Buying a car is a major purchase, and the decision shouldn’t be taken lightly. But that doesn’t mean it needs to be a drawn-out process of heavy negotiations either. By doing your research, collecting information online, and getting approved for an auto loan ahead of time, you can potentially get a fair price on a car and drive your new wheels off the lot without any haggling.
Whether you are looking to finance one vehicle or a fleet of vehicles, CCCU has a loan program to meet your needs. Low fixed rates, flexible terms, no prepayment penalties, and no application fees are all the features that make our auto financing program second to none. Still have questions about accessing an auto loan? Apply now or Contact us today. 

This page contains PDF documents that require Adobe Reader to view. To download click on the icon below.
Download adobe reader





Background for Signon

Online Banking Login

click link below to login to Online Banking