Why Buy a Car in December?
Dealerships are motivated to clear out inventory to make room for next year’s models. This often leads to:
- Year-End Sales Events: Discounts on both new and certified pre-owned vehicles.
- Low-Interest Promotions: Dealer incentives can reduce prices, but beware—these can sometimes come with high-interest financing.
- Negotiation Power: With lower foot traffic during the holidays, you have more leverage to negotiate the price you want.
While dealerships may offer tempting financing deals, credit union financing is often a smarter choice.
Benefits of Financing Through SRI Federal Credit Union
- Competitive Rates
We offer some of the most competitive auto loan rates (currently 4.99% APR* for new or used through December 2024) in the market, ensuring you pay less over the life of your loan.
- Flexible Terms
Choose a repayment plan that fits your budget, whether it’s short-term for quick payoff or longer-term for lower monthly payments.
- Pre-Approval for Confidence
Before stepping onto the lot, get pre-approved with us to know exactly what you can afford. Pre-approval also gives you more bargaining power with dealerships.
- Personalized Service
As a member of SRI Federal Credit Union, you’re not just another customer. We’re here to guide you through every step of the financing process with tailored advice and no-pressure service.
- No Hidden Fees
Unlike many dealership loans, our auto loans have transparent terms and no hidden costs plus, there is no markup on Gap or Micanical Breakdown insurance.
Ready to Start?
Financing your car through SRI Federal Credit Union is simple and straightforward. Follow these steps to drive away in your dream car:
- Apply for Pre-Approval: Click HERE to apply online. You can also call or apply in branch.
- Shop Smart: Use our pre-approval letter to shop with confidence and negotiate the best deal.
- Close Your Loan: Finalize your auto loan with us, securing the best rate and terms available.
Don’t let year-end deals pass you by. Take the first step toward owning your next car with affordable financing that puts you in the driver’s seat—literally!
At SRI Federal Credit Union, we’re committed to driving your financial success forward.
*APR=Annual Percentage Rate
