Auto Purchase Tips

BUYING A NEW CAR? Do not be fooled by the 0% financing offered by many dealers!

Many customers say, "I didn't finance with you because I was offered 0% from my dealer and I thought you couldn't beat that."

In most cases it is 0% financing money rebate. However , when you compare the options of 0% at full price versus financing after the rebate, there is usually greater savings when the rebate is taken and the vehicle is then financed with FSNB.

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• Do your research!
• Have a mechanic look at the vehicle before you purchase it.
• Know what the vehicle is worth and what your trade is worth. www.nadaguide.com can help.
• The vehicle could be a salvaged vehicle from a flood, theft or fire. Ask yourself, "What is wrong with this vehicle?".
• Do not be misled by low interest rates, cash back, and rebates. Make sure you know "how it all works" before you sign anything.
• Do not discuss a trade in or cash until you have a firm purchase price.
• How much will insurance cost on the new vehicle?
• Is there a warranty on the car?
• Talk to your friends, neighbors, or Better Business Bureau about local dealerships.
• Make sure that you choose the vehicle that you want instead of letting the sales person sell you one that he wants to get rid of.
• Do not take the car home for the weekend. Think about it over the weekend and ask yourself, "Can I afford it?" and "Do I really need it?"
• If you purchase from a private owner what will be the cost of the title, taxes, and tags? These will be your expenses now.
• If you are on active duty, read the contract carefully. The terms may not allow you to take the vehicle out of country if you receive overseas assignment instructions.
• How much can you afford to pay? Remember that the total purchase price includes the cost of the car and insurance.
• Talk to a loan officer at FSNB for advice. The sales person works for commission and may not have your best interest in mind.
• Call FSNB before, during, and when you are ready to finance for assistance or advice.