3 Smart Tips to Get Ready for Auto Loan Pre-Approval
Between long shifts and busy schedules, buying or refinancing a vehicle can feel overwhelming. Getting pre-approved for your auto loan is one of the easiest ways to save time, reduce stress, and stay in control of your budget. Here are three simple tips to help you get started.
1. Know Your Budget Before You Shop
Before looking at vehicles, take a quick look at what you are comfortable paying each month. Pre-approval helps set clear expectations, so you can shop with confidence and avoid surprises at the dealership.
2. Check Your Current Loan Rate
If you already have a vehicle loan, review your current interest rate. Many members are surprised how much they can save by refinancing, especially when rates drop or credit improves over time.
3. Get Pre-Approved Before the Test Drive
Pre-approval gives you negotiating power and peace of mind. You will know exactly how much you are approved for, which can make the buying process faster and smoother, especially when time is limited.
Put Those Tips to Work and Save Even More
Now is a great time to take the next step. With our Valentine’s Day and St. Patrick’s Day Loan Special, UHS Employees FCU is offering 0.50% APR* off Auto, RV, and Sports Craft loans* for a limited time.
This special applies to new and used auto loans, RV loans, and sports craft loans, including purchases and refinances. If you are carrying a higher rate elsewhere, refinancing could mean real monthly savings.
Ready When You Are
Apply online in just minutes, or talk it through with a lending expert by calling 607-763-6565 (Option *). A little preparation plus a limited-time rate discount could make your next vehicle decision easier and more rewarding.
*APR = Annual Percentage Rate. Offer valid on new and refinanced Auto, RV, and Sportscraft loans. Current UHS Employees FCU loans are not eligible for this refinance offer. Receive a 0.50% APR discount from the standard rate. Offer expires Tuesday, March 31, 2026. After discount, rates may not be lower than the following APR floors: New Auto 4.00% APR; Used Auto 4.50% APR; Older Used Auto 5.50% APR; New RV/Sportscraft 6.00% APR; Used RV/Sportscraft 6.75% APR; Older RV/Sportscraft 7.75% APR. Final rate subject to creditworthiness and credit approval. Terms and conditions apply. Membership eligibility required. Other restrictions may apply. Offer subject to change or termination without notice. Federally Insured by the Credit Union National Association.