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Loan Tips

  • Buying a new car? Do not be fooled by the 0% financing offered by many dealers!
  • 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.
  • Call us for a comparison quote.
  • 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?". You may request a CarFax from the dealer on a used 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 in addition to your monthly payment, you are responsible for the cost of full coverage 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.

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