BUYING A CAR

Thinking about buying a car? 

Exciting! Before you fall in love with your new ride, let’s make sure your budget and goals are in gear.

What can you afford?
Factor in more than just the monthly payment—think gas, insurance, maintenance, and those surprise repairs. Aim to keep all car costs under 15% of your take-home pay.

New or used?
New, used, or certified pre-owned? New cars come with warranties and the latest features, but you’ll pay a premium. Used cars cost less but may need more maintenance. Late-model and certified pre-owned options can offer a balance of both.

Start your search engine
Research models, prices, reliability, and resale value. Knowing the numbers gives you confidence—and helps you spot a good deal.

How will you finance? 
Unless you're paying in cash, you’ll need a loan. Your credit union is a great place to start—rates are often lower than dealerships. Getting pre-approved gives you a clear budget and confidence when negotiating.

Test drive everything
Take the car for a spin—and test drive the numbers, too. Ask about total cost, interest rate, and fees. If something feels off, it’s okay to walk away.

Don't rush it
If you’re unsure or are feeling rushed, sleep on it. It’s worth taking a break to make sure you’re getting a car and a deal you feel good about.


When you’re ready, we’re here with tools, advice, and pre-approval options to get you on the road.