Make Your Next Car Purchase a Smart One with these Car-Buying Tips from MTFCU!
Fall is one of the best times of year to buy a vehicle. Dealerships are clearing out current-year models to make room for the new ones, and you can often find great incentives, special financing, and reduced prices. Whether you’re eyeing a brand-new ride or a reliable used vehicle, the right preparation — and the right financing — can help you drive off with more savings in your pocket.
Here are some car-buying tips to make your end-of-year auto purchase the smartest yet, plus we’ve included some tips about how Members Trust can also help you save money!
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Shop at the Right Time
Late fall and the end of the calendar year are prime months for car buyers. Sales teams often have quotas to meet and are motivated to move vehicles off the lot. Visiting near the end of the month, or even on a weekday, can sometimes give you more negotiating power.
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Do Your Homework Before You Go
Research the vehicle’s market value and check multiple dealerships for pricing. We make it easy to research with our FREE auto-buying site! If you know the fair price ahead of time, you’re less likely to overpay. And remember — don’t let the excitement of a shiny new car keep you from walking away if the deal doesn’t feel right.
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Arrange Financing Before You Step on the Lot
Dealership financing might seem convenient, but it’s not always the most affordable. By getting pre-approved with Members Trust, you can walk in knowing your exact budget and interest rate — putting you in a stronger position to negotiate.
Our auto loans feature competitive rates, flexible terms, and no hidden fees. Plus, you can apply online, over the phone, or in-branch to make the process simple and stress-free.
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Protect Your Investment Without Overpaying
A car is one of your biggest investments, so it’s smart to protect it — and your wallet — from the unexpected. At Members Trust, we offer the same protection products you’ll see at the dealership, but often at a much lower cost:
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- Credit Life & Disability Protection – Helps pay your loan in the event of death or disability, giving you and your family greater peace of mind.
- Extended Warranty – Provides full coverage for repairs, just like the dealer’s plan, but at a more affordable price.
- Guaranteed Auto Protection (GAP) – Covers the difference between what you owe and your car’s value if it’s totaled, for only $499 — far less than most dealership prices.
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Bundle & Save Even More
When you finance your auto loan with Members Trust and choose at least two of these protection products, you’ll enjoy an additional 0.375% discount off your loan rate. That means more protection for your vehicle and even more money in your pocket over the life of the loan.
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Think Long-Term Value
A lower purchase price is great, but also consider the long-term costs — fuel efficiency, insurance, maintenance, and resale value. Sometimes, a slightly higher price on a more reliable car will save you money over time.
Drive Into Fall Savings with Members Trust
We’re more than just a place to get a loan — we’re your financial partner, committed to helping you make smart, informed choices by providing car buying tips. When you shop for your next vehicle, this fall, remember: the deal you get isn’t just about the sticker price, but about the financing and protection you choose.
With competitive auto loan rates, affordable protection options, and our exclusive bundling discount, Members Trust can help you drive away with confidence — and savings.
Ready to get started?
Get pre-approved today and see how much you can save. Visit our website or stop by your nearest branch.