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Many of SLFCU’s branch lobbies have re-opened for member service with additional safety precautions. Kirtland and Livermore East remain closed. Learn more. To read more about how COVID-19 is affecting SLFCU, click here.

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Finance Your Next Vehicle with SLFCU in Four Easy Steps8/4/2020

If you’re thinking about buying a new or used vehicle, financing through SLFCU is easier than you may think. Here are four steps to make buying your next vehicle go as smoothly as possible:

GET PRE-APPROVED

Getting pre-approved before you start shopping for a vehicle gives you the advantage of knowing how much vehicle you can afford before you head to the dealership. If you apply online, it’s possible to get approved in as little as 15 minutes, and pre-approvals from SLFCU are valid for 45 days. So even if the vehicle you are interested in doesn’t work out, you can keep looking without having to re-apply.

FIND YOUR VEHICLE

You can shop for your vehicle at a dealership, at CU Auto Sales in Albuquerque, or with a private seller and still secure your financing with SLFCU. If you find the vehicle you want at a dealership, apply online at slfcu.org or let them know you are an SLFCU member and would like to finance your new vehicle with us. If you plan to purchase through a private party, SLFCU helps you save time by filing the title, facilitating the payment of any applicable taxes, and, in some cases, arranging for emissions testing and collection of the emissions certificate. Ask a representative for details.

AGREE ON A PURCHASE PRICE

Having pre-approval from SLFCU can have a positive impact on price negotiations since it shows sellers you’re a serious buyer. Let sellers know you’re pre-approved with SLFCU.

FINALIZE THE SALE

Once you’re ready to sign on the dotted line, you have options for completing the necessary paperwork. Dealers can complete your financing with SLFCU at the dealership. If you are buying from a private party, you may choose to meet the seller at any SLFCU branch to complete the transaction with a Financial Service Representative. For a list of documents needed, click here. Once the loan is complete, our representatives will work with you to sign the loan agreement and provide a check directly to the seller.

SLFCU offers a variety of resources to help you navigate the car buying process, including calculators, advice, and information on financing options. Visit slfcu.org/AutoBuying to learn more.



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