NEW OR USED VEHICLES

For Current Rates, Click Here To Calculate your Debt to Income ratio, Click Here

CCU's Guide

Auto Dealers

Tips For Buying

0% Financing

Invest In America Program

Are you considering the purchase of a new or used vehicle? Visit Community Credit Union first to get pre-approved.

Guide for your information:

• Up to an 18 month term extension add 1.00% APR*
• Over 18 Month extension add 1.50%
• Vehicles older than 8 years old add 2.50% APR*
• Over 100,000 miles add 2.00% APR*
• Not Actual Mileage add 2.00%
• Salvage Vehicles Add 2.50% (100% financing not available)
  
• All secured loans may be financed for up to 100% of retail value including sales tax and documentation fees (excludes salvage vehicles)
  
• 0.10% discount with auto pay and direct deposit
• Weekly and Bi-Weekly payments available
• Refinancing Available

Want to know how much a vehicle is worth? Look up the NADA Value.

Make sure you know what you're buying. Get a CarFax Report Today!

Calculate Your Car Payment

Take a few minutes to scope out your anticipated car payment before you commit to a new- or used-car contract. Click here to connect to the  Car Payment calculator.  Use this calculator to help you understand how all the variables affect your car deal. And be sure to call or visit the Credit Union to get pre-approved or to apply for your loan.

AUTO DEALERS

We are proud to work with several local dealers to assist you in purchasing your next vehicle:

A-1 Auto Inc.	Autodeal Sales	Auto Max
Auto Pro	Bill's Auto Sales	Bill Stevens Auto Sales
Central Maine Power Sports	Clavet Import Auto Sales	City Limit Motors
Dealer Worx	Discount Dave's	Donovan's
Dube Auto Sales	Elite Auto Sales	Emerson Chevrolet
Emerson Toyota	Euro Motors	Evergreen Subaru
Grove Auto Sales	Hart's Classic	Jack's Auto Sales
Jim's Auto Sales	John D. Craft's Auto Sales	K&R Auto Sales
Kry Auto Sales	LA Auto Company	LA Harley Davidson
Lake City Exports	Larry's Auto Repair	Larry Stewart's Auto Sales
Lee Auto	Lee Credit Express	Lewis Auto Sales
Lindy's Auto Sales	Marc's Auto Sales	Morgan's Auto Sales
Motor Works	O'Connor GMC	Premier Auto Sales
Primary Auto Sales	Quality Glass	Rick's Auto Body
Rotary Auto Sales	Rowe Auburn	Sabattus Auto Sales
Scott Thayer Auto Sales	Thrifty Car Mart	Tri-Sports, Inc.
United Sports

TIPS FOR BUYING A CAR:

Many consumers believe that car shopping involves going to a dealer, looking at cars and test driving. However, car shopping done properly requires a lot more work than that. Follow the steps below and make car shopping easier on yourself:

1. Qualify Yourself
   Before you shop, review your budget and determine a maximum and desired payment amount. Plus, visit Community Credit Union to get pre-qualified. That way, you know exactly how much you can spend on a vehicle and what the payment will be.
   
   
2. Determine Your Needs
   Take time to determine exactly what your needs and wants are, and most importantly, be sure to distinguish between the two of them.
   
   
3. Do Background Work On The Vehicle
   Once you have a general idea of what you want in a vehicle, do background work on the vehicles available. Discover the advantages and disadvantges of your choices and what the price ranges are.
   
   
4. Investigate Financing Options
   Make the decision as to whether you will purchase or lease the vehicle. If you choose to purchase the vehicle, visit Community Credit Union to ensure pricing of your vehicle options fits into your budget.
   
   
5. Choose The Right Dealer
   Find out what dealers offer the vehicles you're interested in then visit them. (We work closely with several dealers; they are listed above)
   
   
6. Test Drive
   Take several vehicles from your list for a test drive.
   
   
7. Be Aware of Total Cost of Vehicle
   Remember that when you purchase a vehicle, there's other costs involved:
   Warranties, Taxes, Registration and Insurance. Be sure to look into all of these items again to ensure you can truly afford the vehicle.

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The Truth About 0% Financing

You have undoubtedly seen the advertising from automakers offering 0% financing to purchase a new car, truck or SUV. You can’t beat 0% financing, right? Well, in most cases you can! Here are a few things to consider when you think about taking advantage of a 0% financing offer:

• If you qualify, you usually have to choose between taking the 0% offer or the factory cash‐back offers (rebates).
• Not everyone qualifies. You generally have to have near‐perfect credit to receive the 0% rate.
• In most cases, 0% financing options are only available with low terms causing your monthly payment to increase.

Click here to download our article on "The Truth About 0% Financing" and discover how you can truly get the BEST deal!

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INVEST IN AMERICA PROGRAM

The Invest in America Program offers Credit Union members the opportunity to receive GM supplier price discounts or Chrysler rebates of $500 to $1,000 on eligible new vehicles.

For more information on this special program, view the press release sent out by the Maine Credit Union League or visit www.lovemycreditunion.org for full program details.

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