Find the perfect vehicle to fit your lifestyle and budget
Plan ahead today and get pre-approved
Find the perfect vehicle to fit your lifestyle and budget
Plan ahead today and get pre-approved
With all the time we spend on the road, it’s no wonder buying a car is such a momentous step. The features you look for in a vehicle reflect the kind of life you lead, so it’s important to take time to find the right fit. Do you need enhanced safety features and extra seating for all those trips to and from the soccer field?
Are you looking for energy-efficiency and excellent gas mileage to make your long commute less costly? Is your ideal car functional or fun to drive—or both? As with any large purchase, it’s essential to make a plan before you go shopping.
How much should you spend on your next car? Choose the right car, determine gas and maintenance costs, and decide what you can really afford. When you’re ready for your new ride, Redstone offers competitive loan rates.
As you start out, set some financial and personal priorities. The entire process will be easier if you know what you want, what you need, and how much you’re prepared to spend.
Once you determine how much car you can afford and what features you want, it’s time to find the perfect vehicle for you.
The internet is the ideal place to explore pricing, equipment, safety reviews, quality, and cost of ownership. For added peace of mind, you can check out what actual owners say about the vehicle. Excellent resources on the internet include TRUEcar.com, Edmunds.com, and Kelley Blue Book.
Once you select the model, options, and color, it’s time to get serious about price. One key to success in negotiating a new vehicle is collecting as much information as possible before making the deal, and nearly all of that information can be found on the Internet. Take the mystery out of vehicle pricing by finding the invoice price, MSRP, and Fair Purchase Price all before setting foot on a car lot.
Shop around and use the competition between dealers to your advantage. Get a quote from one dealer, then call the dealers across town and ask them if they can beat it. Make sure you’re asking about the total selling price, including any additional features or accessories. It might take some back-and-forth negotiations and a little patience, but it should pay off in the long run.
Consider selling your old car yourself in a private sale or sell to the dealer in a trade. Be warned, however; the dealer will likely offer to pay the low end of the car’s value if you offer it as a trade. Use Edmunds.com or TRUEcar.com to determine how to price your used car.
Must be an RFCU® member to obtain a loan. All loans subject to credit approval. Must be eligible for membership and open a share savings account to join RFCU. A $5 minimum deposit is required to open share savings account and must be maintained in share account at all times. Other restrictions may apply. Redstone is an Equal Credit Opportunity Lender.
Redstone Insurance Services is a licensed insurance agency that sells insurance policies by third-party insurance companies. The insurance companies underwriting these policies are not affiliated with Redstone Federal Credit Union® or any of its subsidiaries. Insurance products offered through third-party insurance companies are not RFCU products, and are NCUA or federally insured. These products are not obligations of RFCU and are not endorsed, recommended or guaranteed by RFCU or any government agency. The insurance products are being offered by a dual employee who also sells insurance products on behalf of a third-party insurance company. RFCU does not warrant or insure any service or product offered by any third-party insurance company or Redstone Insurance Services. RFCU and Redstone Insurance Services are affiliated, but RFCU, Redstone Insurance Services and third-party insurance companies are separate entities.
GAP:
Deductible coverage is available in most, but not all states. Please consult your financing representative for the availability of this benefit. For a complete list of terms and conditions, see the GAP Waiver Addendum. The purchase of GAP is voluntary and cannot be required as a condition of loan approval. Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with us. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. Applies only to collateral financed by RFCU®. A fee applies. Please contact RFCU at 800-234-1234 for information.
MBP:
Extended Warranty is provided by Route 66 and is not an insurance product. For a complete list of terms and provisions, see the Service Agreement available at any branch. The purchase of an Extended Warranty is voluntary and is not required as a condition of loan approval. Enrollment fees apply.
Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.