Desert Schools Federal Credit Union with summer car buying tips


/SUMMER. GOOD LUCK.>>WE OFTEN HEAR THERE ARE GREAT DEALS TO BE HAD ON NEW CA AT THE END OF THE YEAR. FOR THOSE OF YOU SHOPPING FOR A NEW VEHICLE IN THE SUMM THERE MAY ALSO BE SURPRISES WHEN YOU FIND OUT THERE ARE GREAT DEALS NOW TO HERE ARE SOME TIPS TO SAVE YOU HUNDREDS OR THOUSANDS. LISA WITH OTHER SCHOO CREDIT — FEDERAL CREDIT UNION. IF WE ARE SHOPPING FOR A NEW OR USED CAR WHAT IS THE BEST MONTH OF THE YEAR TO GO SHOPPING?>>AUGUST IS A REALLY GREAT MONTH TO BUY. THEY HAVE ALL OF THE NEXT YEAR’S MODEL YEARS COMING IN SO THEY NEED TO MOVE OUT LAST YEAR’S MODEL YEARS. YOU CAN GET REALLY GOO DEAL INCENTIVES, MANUFACTURERS REBATES. IT IS A REALLY GOOD TIME.>>THAT’S COMING UP. THAT IS IN A COUPLE OF MONTHS. I KNOW DECEMBER IS A GOOD MONTH, BUT RIGHT NOW AS WELL WHEN WE ARE IN THAT CAR BUYING HUNT FOR THE PURCHASE WE WANT TO MAKE YOU SAY IT’S IMPORTANT TO SHO RIGHT. WHY’S THAT?>>YOU DON’T WANT TO GO TO THE DEALERSHIP AND IT BE THE 1st TIME YOU ARE HEARING RATES, PRICES OF CARS, TERMS, AND PAYMENTS. BUYING A CAR IS AN EMOTIONAL EXPERIENCE AND YOU WANT TO BE EDUCATED BEFORE YOU GO. YOU WILL MAKE BETTER DECISIONS IS A GOOD THING TO , DO YOUR HOMEWORK.>>A LOT OF PEOPLE THINK YOU ONLY HAVE TO TAKE THE RATE AT THE CAR DEALERSHIP THAT IS AND ALWAYS THE CASE.>>THAT IS NOT ALWAYS THE CASE . YOU CAN SHOP THE BEST RATE AND GET PREAPPROVED AT THE LENDER OF YOUR CHOICE. LOOK FOR THE PER THAT THE LENDER HAS TO OFFER. DESERT SCHOOLS OFFERS 90 DA ON THE 1st PAYMENT. THAT ALLOWS YOU TO HAVE EXTRA MONEY IN YOUR POCKET TO DO EXTRA THINGS BEFORE YOU HAVE TO MAKE THE CAR PAYMENT.>>BE SMART. I UNDERSTAND AT DESERT SCHOOLS YOU GUYS OFF THE AUTO 35 PROGRAM. WHAT IS THAT?>>A REFINANCE PROGRAM WE OFFER. IF YOU ALREADY HAVE A CAR LOAN YOU CAN STILL SH AND LOOK TO GET BETTER RATES AND PAYMENTS. WHAT WE OFFER A LOW RATE, 90 DAYS TILL THE 1st PAYMENT AND THEN YOU CAN ALSO GET 1 PERCENT CASH BACK FOR THE AMOUNT YOU FINANCE OR HALF A PERCENT OFF YOUR RATE. WE PACKAGE THAT AS OUR AUTO PACKAG>>THAT’S GREAT. WE KNOW WHAT WE WANT TO SPEND AN WE HAVE A GREAT RATE TO DO IT. YOU TALKED ABOUT AUGUST BEING THE BEST MONTH TO GO SHOPPING. WHAT ABOUT THE TIME OF DA THAT WE SHOP FOR OUR CARS? CAN YOU GET THAT SPECIFIC?>>TYPICALLY THE TIME OF DAY WOULD BE LATER IN THE DAY. IT’S SLOW AT THE DEALERSHIPS IN THE MORNING AND THEN AT THE EVENING THERE ARE MORE DEALS. THE BEST TIME OF MONTH IS AT THE END OF THE MONTH AS WELL THEY HAVE SALES QUOTAS AND THE NEED TO MAKE THOSE QUOTAS. YOU CAN OFTEN GET SOME MONEY OFF.>>THAT’S GREAT YOU GUYS HAVE A GREAT WEBSITE. I ALWAYS TALK ABOUT THIS TO BECAUSE IT’S AN ADDED BONUS TO GET SOME ANSWERS TO QUESTIONS. TALK ABOUT SOME OF THE OTHER PRAYER — OTHER PROGRAMS YOU ARE OFFERING.>>THE AUTO PACKAGE, WE ALSO HAVE AN AUTO BUYING PROGRAM ON OUR WEBSITE THAT WILL HELP YOU DO THE HOMEWOR WHEN YOU’RE LOOKING FOR A CAR. YOU CAN PRICE OUT CARS, CHECK GRADES, PAYMENTS AND EVEN LOOK ONLI AT INVENTORY AT SPECIFIC DEALERS WITHIN MARICOPA COUNTY.>>DESIREE DEPEND ON IF IT’S NEW OR USED?>>IT DOES. YOU WILL FIND SOMETIMES IT DEPENDS ON NEW, USED, AND THE TERMS THAT YOU FINANCE. DISTORTED THE TERM THE LOWER THE RATE USUALLY.>>TO WE NEED TO HAVE THAT INFORMATION IN HAND WHEN WE GET TO THE DEALERSHIP?>>IT’S VERY HELPFUL WHEN YOU GO TO DEALERSHIP SO YOU KNOW WHAT YOU ARE COMPARING.>>YOU CAN JUST WRITE THE CHECK AND HAD OUT. MAKING IT HASSLEFREE. WE WANT TO GIVE YOU SOME INFORMATIO. IF YOU HAVE AN AUTO LOAN YOU ARE INTERESTED IN OR REFINANCING YOUR CURRENT LOAN CONTACT THE EXPERTS AT DESERT SCHOO THEY HAVE A GREAT WEBSITE, DESERT SCHOOLS.ORG.>>>IN OUR FRIDAY FINANCIAL FITNESS TIP, IF YOU’RE BUYING A CAR CONSIDERED EATING PREAPPROVEDWITH A REPUTABLE LENDER. THIS WILL ALSO GIVE YOU A RANGE OF WHAT YOU ARE QUALIFIED FOR AND SAVE TIME LATER O

Paul Whisler

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