researching your financing

 

tips for conducting your own web search with keywords

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payment and loan cash calculators

did you know that your monthly vehicle payment doesn't buy you a car? it buys you a lump sump of cash. in don't get taken, i call this "loan cash." the "available cash" you have to purchase a vehicle is composed of your loan cash, your down payment, the equity (if any) in your trade-in, and any other cash such as a rebate.

determine loan cash

if you have decided how much you wish to pay monthly and for how many months/years and have shopped financing sources to find the best rates, you can determine how much money your payment will buy using the handy online loan calculator provided by digital federal credit union (dcu). go to www.dcu.org and click on calculators."

determine payment.

if you know the lump sum you need to borrow, the interest rate and the month/years you want to pay, you can also use this loan calculator to find out your payment.

determine available cash

dcu also provides a handy calculator that enables you to determine how much available cash you have to buy a vehicle. use it to help you stay in budget!

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finding a credit union

if your company doesn't have a credit union or a relationship with one that allows you to join, you may still be eligible for credit union membership.

cuna, the credit union national association, has two pages on their web site that allows you to track down an eligible credit union. go to: www.cuna.org/data/consumer/whatis/join/sixways.html or www.cuna.org/data/consumer/culinks/cu_locator.html.

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