Avoid Dealer Markups & Hidden Costs—Get Pre-Approved with CHCU!
President’s Day weekend is one of the busiest times for car shopping, with dealerships advertising “too-good-to-miss” deals. But are they really the best offers? Before you get swept up in flashy promotions, consider this: getting pre-approved for an auto loan with CHCU could save you thousands!
The Power of Pre-Approval
When you finance through a dealership, you might not be getting the lowest rate. Dealers often add a markup to the interest rate they secure from lenders, meaning you pay more than necessary. By getting pre-approved through CHCU, you lock in a competitive rate with no hidden costs.
Here’s Why You Should Get Pre-Approved First:
- You Know Your Budget in Advance – Instead of guessing what you can afford, you’ll have a clear loan amount before stepping onto the lot.
- You Get the Best Interest Rate – Our members enjoy lower rates than what many dealerships offer.
- Stronger Negotiation Power – Dealers will try to sell you on a monthly payment rather than the actual price of the car. With pre-approval, you negotiate the total cost, not just the payments.
- Less Stress, Faster Purchase – Skip the dealership’s financing process and paperwork. Walk in ready to buy!
Auto Loan Rates to Save You Money
Rates as low as
4.49% APR*
4-year term w/auto pay
Same rate for new, used, or refinanced autos.
Our auto loan rates beat the competition. Plus, we offer the same auto protection add-ons available at dealerships, but at a lower cost.
*Annual Percentage Rate (APR) is based on a four-year term and requires auto pay. Rate is valid on NEW CHCU loans only, cannot be combined with any other discount, and ends 3/31/2025, but is subject to change without notice.