News & Promotions What's New Current Promotions Newsletters Do your research before you start negotiating with the dealer. Why Your Next Auto Loan Should Be From Us If you’re in the market for a new or pre-owned vehicle, you might not be thinking about the loan until you’re ready to buy. Getting a loan through us, before going to the dealership, might take a bit more time and effort. However, it might be advantageous in three key areas: Rate – Direct loans with us usually have the best rates. This could save hundreds, if not thousands, over the course of your loan. Affordability – Having a pre-approved amount in mind will help you stay on track with your budget. Convenience – Although a direct loan might take more time at our branch, it’ll translate to much less time at the dealership. How Do You Negotiate With a Car Dealer? There are four negotiating tips to follow: Get the Best Deal on Your Car Purchase Our auto shopping website is a great place to start your search. Learn as much as you can about the vehicle, including specs, tech features, and gas mileage. More importantly, research the book value of a given car and what other dealers in your area are charging. This will give you an advantage when it is time to make a decision. We’re here to help you understand the entire shopping process, and how to get the best deal on a new or pre-owned vehicle.