Financial Advice

Buy & Own a Car

TOPICS

Become a Smarter Car Buyer

UFCU Member Jessie B shows off her new car. 

At UFCU, we’re here to help you make a financially sound decision when it comes to buying a car. Everything we do here is intended to support and improve the well-being of our Members. While a lot of cars are affordable, they're still considered a large purchase and can significantly impact your budget. Consider these strategies for success the next time you’re in the market for a vehicle.

Slow Down
Don’t make the mistake of rushing into it. You might actually need to stop what you’re doing and make sure you truly understand your options. The savviest car buyers consider every aspect of a purchase — not just the price. We’re here to walk you through the entire process and help you become a smarter car buyer:

  • Determining which vehicle to buy
  • Understanding your credit score
  • Securing a loan

Add It Up
Remember that an automobile is a depreciating asset. Consider financing for the shortest term possible. If all you’re worried about is the monthly payment, you could be setting yourself up for a decision that could haunt you for years to come. Consider the entire car-buying process: setting a budget, choosing the right vehicle, getting preapproved, and negotiating with dealers. The more you prepare, the more you know, the more you’ll save.

Come On Over
Visit with a trained UFCU professional and let us put one of our lending advocates to work for you. We’re ready to find the best possible pricing and information for you and can help you understand the process along the way. Whether you’re purchasing new or used or looking to refinance a vehicle, UFCU offers the same low rates and flexible terms.

Call us at (512) 498-CARS (2277), (800) 252-8311, or stop by any financial center to learn more.

Vehicle Values

Research the value of your vehicle.

Mortgage Calculator

How much will you owe?

Read more


The True Price of Credit

Buying with plastic can cost you little or plenty - depending on how you use it. Knowing the true price of credit before you charge can save countless dollars and hours of anxiety.

Read more


Wheels 101 Calculator

How much car can you afford?

Read more