Pre-Approval

New or used, buy or lease, you need to know all the costs involved in getting your next car. Even if a car is a great deal and the financing options unbeatable, you may find that making those monthly payments puts an impossible strain on your budget.

If you're not sure how much you can afford, talk to a credit union associate or get pre-approval on a car loan. Professional advice in the area of financing will let you know ahead of time how much you can really afford. You can use our auto loan payment calculators by clicking here.

We strive to make purchasing a vehicle EASY! Whether you visit a branch, contact us at (904) 475-8000 or use our convenient online pre-approval process, you will be able to access a pre-approved draft (check).* You simply take your draft to the auto dealer (almost every dealer in town accepts our drafts) and drive away with your new vehicle. We'll take care of the rest!

Pre-approval for a car loan is not simply about getting a dollar figure; it is also about smart planning. When you plan ahead, rather than just showing up at the dealership:

• You already know your price range
• You know what cars are available in your price range
• You have considered how your monthly payments and maintenance costs will fit into your budget.
• You understand how much you can expect to spend over the life of the loan.
• You avoid pre-payment penalties imposed with some dealer financing plans.

There are innumerable benefits to obtaining a car loan before you visit the dealer. Not the least of these is the haggling you skip. Pre-approved car loans help you put the ball in your court by allowing you to take charge of your car buying dollars.

*Pre-approved drafts are only available for members who have an A, B or C credit score.