Credit Union Blog

Consumers can almost tell what time of year and month it is by the seasonal sales advertisements. We live in an age where there are literally “shopping holidays” such as Black Friday. We all know that one occurs the day after Thanksgiving, and the savings can be huge. Other industries also promote certain times to buy. Real estate tends to be hot during the summer months because families often want their children to start fresh at the beginning of the school year.

Dealerships are one of the last strongholds of pure price negotiation. Negotiating a price on a new truck, however, isn't like deciding on a price with a private seller; the dynamic of negotiating at a dealership is much different. A truck salesperson deals with hundreds of negotiations every year and they really know their stuff, while the average person shopping for a new truck only does so once every several years. 

What are the favorite vehicles among young adults aged 22 to 37 (millennials) these days? Online insurance marketplace QuoteWizard wanted to know the answer, so it surveyed millennials in all 50 states.

Congratulations -- you’ve graduated and are ready to go into the real world. Though you have your diploma, there’s still more to learn about the basics of financial management.

Americans purchasing a car spent 35% to 95% of 2016's median household income ($57,617), according to Love to Know. As a result, most individuals likely needed a loan in order to purchase a vehicle whether new, used or certified pre-owned. If you need a car to get to work or take your children to school, but do not have enough savings to purchase a vehicle with cash, then you will need financing and will have to find a great loan, in addition to shopping for the perfect car. Consider the following tips to take the uncertainty out of locating a good car loan. 

When you have good credit, qualifying for a car loan is easy. However, if your credit is poor, the situation is more difficult. Fortunately, it is possible to purchase a car even if your credit isn't perfect.  If you're wondering how to get a car loan with bad credit, follow these seven tips.

While the average rate for new car loans is around 4.51% in 2018, that number is always changing. Of course, the amount that you pay in interest depends on several factors individual to you and your situation. Here are 6 things you don't know about finding the best car loan rates. 

Looking for a new car and want to get the best car loan rates? There are a few things that you need to know ahead of time. Here are the top 10 things I wish I knew to find the best auto loan rates. 

If you just searched "bad credit car loan," you're probably looking for some help in getting the loan that you need -- in spite of some credit issues in your past.  The first thing to know is you’re not alone. Around 14% of people don’t have a credit score at all. Many people are dealing with low credit, poor credit, no credit, or a credit rebuilding journey, so many lenders are now making an effort to work with those who may need some extra help in getting approved. Here's what you need to know when trying to get a bad credit car loan. 

According to a 2016 report released by the Federal Reserve Bank, only 34% of vehicles in 2015 were purchased with cash; individuals financed the remaining 66%. In 2017, Automotive News reported vehicle loans in the United States reached a record high, with borrowers owing $1.1 trillion, and CNBC said the average loan exceeded $30,000 per borrower.