"Let me talk with my manager" – does this bring back memories of your last car-buying experience? Negotiating a deal on a new or used vehicle is a lot easier when you take us shopping with you. Hop in the driver's seat with a pre-approved auto loan from Wings Financial Federal Credit Union.

Do Your Research First
Before you shop, figure out what type of car you want to buy and how much you should pay for it. Web sites such as www.edmunds.com and www.kbb.com* can show you what the market value is for the make and model you are interested in.

Consumer Reports (www.consumerreports.org) offers new car and used car price reports that tell you the real dealer cost including any additional incentives and holdbacks.* Shoot for a price of 4% to 8% over dealer cost. And www.edmunds.com offers the TMV (True Market Value) service that shows you the price you can expect to pay in your market.*

It's also a good idea to contact the dealer or seller to find out what additional taxes and fees they charge. Some of these are negotiable too, if they are not found on the original invoice.

Call Us Before You Go Shopping
Once you've pinned down your dream car, come talk to us. We offer a variety of loans and terms to fit your budget and can pre-approve your loan before you shop.

Squaring away your financing before you walk into the dealership will give you leverage and save you money. The dealer knows you mean business, and you always have the option of walking away if you don't agree with their price. You also don't have to deal with the hidden costs and unknowns of dealer financing.