Qualified Buyers Make No Payments for 90 Days and a Rate as Low as 6.05% APR for Up to 63 Months on a New Car

We’ve used this space before to talk about the ongoing car shortage and how it means you need to be prepared to move quickly when you find the right car.

And while dealers continue to experience a shortage of vehicles for sale, we want to tackle a different aspect of buying a car that’s a little different in today’s car-buying climate than normal.

The dearth of inventory means dealers aren’t having to incentivize cars as much as they have in the past. Dealers aren’t offering the discounts on the MSRP you might have come to expect, but they also aren’t offering as many financing specials as they have in the past.

So, what is a would-be car-buyer to do?

1. Do your research on the vehicle you want. Find out what the car you’ve got your eyes on is costing and make sure you’re getting the best deal.
2. Do more research, this time on the vehicle you may be trading in or selling. If you have a car you’re looking to sell or trade, you can probably get more for it than normal. Make sure you’re getting the best deal you can.
3. Be proactive when it comes to financing. Don’t just sit back and assume the dealer will the best financing option for you. We’ve told you before, but it bears repeating: having financing lined up before you even walk into a dealership can be beneficial.

So how do you do that? We’re glad you asked.

Apply now, get preapproved, and walk in with a check in-hand. And you can take advantage of our fantastic financing deals:

• Rates as low as 6.05% APR for up to 63 months¹ on model years 2021-2023
• No payments for 90 days² on a new or used car

¹Subject to membership, creditworthiness, and approval. Annual Percentage Rate based on credit worthiness, loan amount, current mileage, and term of the loan. Payment example: For a term of 63 months, your monthly payment will be $18.57 per $1,000 borrowed at 6.05% APR (not including taxes and insurance).

²Offer is valid for credit scores of 720 or higher. Choosing to defer a loan payment extends the term of the loan. Interest will continue to accrue during the deferral period. Normal loan payments will be due as scheduled 90 days from the date of the loan origination.