As a not-for-profit institution, we can help finance the ride you want at a rate you can afford. Get pre-approved today in no time.

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Key Features

  • Competitive Rates
  • Free Pre-Qualification
  • RV Loans Available
  • Competitive rates on new or used vehicles
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Find peace-of-mind after your purchase with a wide range of protection plans:
    • Guaranteed Auto Protection (GAP)
    • Warranty
    • Credit Life and Disability coverage
  • Terms up to 7 years (certain restrictions apply)
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish
  • Bring a recreational vehicle on your next outdoor adventure
  • Competitive rates for a wide range of recreational vehicles:
    • Motorcycles and ATVs
    • Motorhomes and travel trailers
    • Boats and personal watercraft
    • And more
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Find peace-of-mind after your purchase with a wide range of protection plans:
    • Credit Life and Disability coverage
  • Flexible terms
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Guaranteed Asset Protection (GAP) is the best thing since Georgia peaches if you're ever in a situation where you truly need it. Basically, if your car is totaled or stolen, and you still owe more on the loan balance than the insurance will pay, GAP is designed to pay the rest of the loan.

Guaranteed Auto Protection protects you from these scary scenarios and will even cover your auto insurance deductible up to $500.

  • No separate payments; low cost can be rolled into auto loan
  • May pay the difference between what insurance covers and what you still owe
  • Will cover insurance deductible up to $500

Credit Insurance1 May Make Your Loan Payments When You Can’t

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against the unexpected such as a disability or covered life event including dismemberment could help you protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

There’s no way to predict an injury, illness or other unexpected life event. You can take steps to protect your family if the unforeseen happens. Credit disability and credit life insurance may help reduce or pay off your covered loan or make your monthly loan payment, up to the policy maximum, in the event of a covered life event, injury, illness or death.

You decide which payments you want to protect and the monthly premium may be added to your loan. Coverage is designed to fit your lifestyle, it is totally voluntary, and it won’t affect your loan approval. It’s simple to apply for individual or joint coverage. You can sign up for credit insurance at your loan closing, or anytime you’d like. Call GeoVista Credit Union at 912-368-2477 to find out more

1CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Group Policy for a full explanation of the terms. CDCL-2039560.1-0218-0320 © CUNA Mutual Group 2018, All Rights Reserved

If You Need a Car Loan, Buy a Car You Can Afford

  • Think about the payment you can afford, and your credit union will calculate the purchase price range for you
  • Think about the insurance cost – especially for sport cars or luxury cars
  • Get preapproved for your loan from your credit union.  This will put you in a position to negotiate with the seller

Knowledge is Power

  • Research the car you want to buy:
    • New cars have a Manufacturers Suggested Retail Price or MSRP
      • Your goal is to find the invoice price
      • Check for available Rebates
    • Used cars have a Trade & Retail value
      • Find the value and don’t overpay
    • You can find out all kind of useful information online using:
      • NADA.com
      • Edmunds.com
      • Kelley Blue Book - KBB.com
      • Consumer Reports
      • CARFAX reports
    • If you are trading a car, know the trade value and the payoff amount if you still have an outstanding loan
      • Don’t mention your trade until you negotiated the price on your purchase
      • It is best to pay off your current loan first or you could end up with an upside-down car loan; ask your credit union for details
  • Used cars should be checked by a mechanic
  • Make sure the car has a ‘good’ title and is not salvaged or rebuilt

Shop Around

  • It makes sense to search online for your car.  There are valuable resources such as
    • TrueCar
    • Autotrader
    • KBB
  • Shopping online is more convenient than to visit multiple dealerships.  You can increase your geographical search radius

Always Test Drive the Car and Check for All Advertised Features

  • Check tire profile – replacing tires are an added expense
    • Check for maintenance records if available
    • Check the mileage, on average a car is driven 12K – 15K per year
    • High mileage decreases market value

Consider Additional Fees

  • Taxes and processing fees are added to your purchase at dealerships
  • Private sales have taxes due at time of registration in many states
  • Backend products, such as credit insurance, GAP insurance or extended service plans could be offered by the dealer and your credit union
    • GAP Insurance goes into effect if your car is totaled.  The GAP insurance is designed to pay the difference (up to a cap) between what your full coverage insurance will pay and you remaining loan balance
      • Example:  Your car is totaled and is valued at $8,000 and you owe $10,000 – the GAP insurance may cover the entire remaining balance or part of it.
        • GAP insurance may be voided with loan skips or late payments
        • GAP insurance is often less expensive at your credit union
    • Extended service plans, often called extended warranties, offered by the dealership are often more expensive than at your credit union

Finally: Avoid Impulse Buying or Pressure

  • Be ready to walk away

Enjoy your new ride and make your payment on time to build a strong credit history. Don’t be scammed!

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