Before You Buy

Here are a few basic steps that MUST be followed to facilitate the buying process:

  • Submit an application to the lending institution of your choice
  • Make an appointment ONLY with the representatives listed on our Dealer List
  • SPEAK ONLY WITH THE REPRESENTATIVE LISTED!
  • He/She is the only person authorized to offer credit union pricing
  • Select the car, truck or van of your choice
  • Ask the representative to fax both the purchase order AND the factory invoice to the lending institution
  • Return to the lending institution and finalize the contract
  • DO NOT discuss financing with the dealer

More Great Car Buying Tips

  • Visit a dealership on the day they are closed (you can then decide on a car you can afford) 
  • Always take someone with you who can talk you out of an impulsive purchase
  • NEVER get emotionally involved in the transaction
  • Do your homework BEFORE you shop
  • Make use of all the tools at your disposal (Consumer Reports, PC Carbook etc.)
  • Never bring in your trade until AFTER you have negotiated your best price
  • ALWAYS clean up your trade-in before the dealer sees it
  • Consider selling your trade outright
  • Demos are not always the best deals
  • Consider buying last years’ model
  • You can usually save money by ordering your new vehicle
  • Taking the rebate is usually a better deal than the lower interest rate
  • Don’t always believe the dealer’s computer printout as the true invoice cost
  • Always be careful and negotiate when buying after market items (alarms, tint etc.)
  • NEVER tell a salesman the price you would pay for a vehicle or what monthly payment you can afford
  • The cost of service contracts or extended warranties ARE negotiable
  • NEVER sign a blank contract and ALWAYS read what you sign - don’t trust the dealer to look out for your best interest
  • NEVER drive the car home overnight until AFTER the deal is signed and sealed
  • NEVER allow a salesman to bully or intimidate you into buying a vehicle - it’s your money
  • Don’t be afraid to shop and Never buy a vehicle because you are tired of shopping
  • ALWAYS use the Auto Connection Plus Dealer list of dealers and contacts
  • ALWAYS be sure to speak ONLY with the contacts listed
  • ALWAYS have your loan pre-approved