{"id":4532,"date":"2019-12-04T20:50:18","date_gmt":"2019-12-04T20:50:18","guid":{"rendered":"https:\/\/www.vfcu.net\/?p=4532"},"modified":"2019-12-04T20:50:18","modified_gmt":"2019-12-04T20:50:18","slug":"2-tips-that-can-help-to-make-your-vehicle-search-easier-on-your-finances","status":"publish","type":"post","link":"https:\/\/www.vfcu.net\/es\/2-tips-that-can-help-to-make-your-vehicle-search-easier-on-your-finances\/","title":{"rendered":"2 Tips That Can Help to Make Your Vehicle Search Easier on Your Finances"},"content":{"rendered":"<p>The holiday season can be a time of many expenses, but this doesn\u2019t mean you should hold off your plans of purchasing a car if you\u2019re in need of one. Depending on the decisions you make while car shopping, you can either end up benefitting or harming your financial well-being. For example, forgetting to research current vehicle rates or not requesting a background check on a used car could spell trouble for you in the future! Our credit union in Harlingen wants you to be fully prepared during your car search.<\/p>\n<h2>Know What You Can Afford<\/h2>\n<p>Shopping around for cars can be time-consuming without a clear idea of which type of car\/brand you want and what your current financial situation is. Before shopping around, write down a list of your vehicle preferences and assess your finances by answering the following:<\/p>\n<ul>\n<li>Should I go for a new or used vehicle?<\/li>\n<li>How much will I be able to afford per month?<\/li>\n<li>Will I need a cosigner?<\/li>\n<\/ul>\n<h2><img decoding=\"async\" class=\"aligncenter size-full wp-image-4534\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2019\/12\/para-3.jpg\" alt=\"\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2019\/12\/para-3.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2019\/12\/para-3-300x200.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/h2>\n<h2>Explore Your Financial Options<\/h2>\n<p>Did you know that you don\u2019t need financing through a car dealership? You can request to use funding from a third party instead. And the great news about that is that VFCU offers financing for both <a href=\"https:\/\/www.vfcu.net\/loans\/auto\/\">new and used auto loans<\/a>!<\/p>\n<p>The easiest way to find a better financial option is to request a purchase order from the dealership. Then you can bring the document to our credit union in Harlingen for review.<\/p>\n<p>We currently offer lending rates as low as:<\/p>\n<ul>\n<li>95% APR for new auto loans for up to 66 months.<\/li>\n<li>25% APR for used auto loans for up to 75 months.<\/li>\n<\/ul>\n<h2>Apply for a Loan Online Today!<\/h2>\n<p>VFCU has made it easier than ever to apply for loans online! Access our <a href=\"https:\/\/www.netit.financial-net.com\/valleyfcu-loan\/cgi-bin\/ebs?OLB_CMD-SLN-164&amp;loan_file=..\/loan_master\" target=\"_blank\" rel=\"noopener\">online application portal<\/a> to input your information and loan request. Once your application is reviewed, a loan officer will reach out to finalize your application. If you need help with the process or would like info on any of our other services, then <a href=\"https:\/\/www.vfcu.net\/contact\/\">contact us today<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The holiday season can be a time of many expenses, but this doesn\u2019t mean you should hold off your plans of purchasing a car if you\u2019re in need of one. Depending on the decisions you make while car shopping, you can either end up benefitting or harming your financial well-being. For example, forgetting to research [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4536,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59,60],"tags":[],"class_list":["post-4532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips","category-auto-loans"],"_links":{"self":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/4532","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/comments?post=4532"}],"version-history":[{"count":0,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/4532\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media\/4536"}],"wp:attachment":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media?parent=4532"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/categories?post=4532"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/tags?post=4532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}