Credit Union Loans for Cars in Berks County, PA

When the time comes to replace your current vehicle, consider the benefits of choosing Bellco Federal Credit Union when taking out loans for cars in Berks County, PA.

Bellco Federal Credit Union will transform the overwhelming process of car buying into a pleasant and money-saving experience. From providing a simple way to secure a pre-approval to a quick response and competitive rates, we have much to offer those planning a car purchase.

The excellent rates that we offer extend to all sorts of vehicles including RVs, ATVs, trailers, watercraft, snowmobiles, etc. As a credit union, we’re able to incorporate flexibility into our process since we aren’t obliged to make profits for our shareholders.

An auto loan through Bellco FCU is possible if you meet the requirements for membership. You must either reside, work, worship, or attend school in Berks County or be the brother, sister, parent, or child of a Bellco FCU member. With $5 and the establishment of a savings account, we can process your car loan application and provide any of our other services or products.

The Vehicle Loan Program at Bellco FCU provides a range of benefits. We’re able to finance new and used vehicles of all sorts with an assortment of reasonable options for payment. Refinancing a current vehicle is something we can help with as well if you’d like to secure better rates and terms.

Our agents are informed professionals, making decisions locally. With a pre-approval in hand, you can walk into the dealership ready to negotiate for the best price possible.

The Bellco FCU Dealer Financing Program

If you think you can only secure financing with traditional banks at the dealership, think again. We have a program with several dealers in Berks County that permits onsite applications for auto financing.

You simply need to mention that you’d like to apply with Bellco FCU. Verify your member eligibility, and we allow sign up at the dealership itself.

Steps to Follow When Car Shopping

If you plan to buy a car in the near future, take some guidance from the pros.

First, you should know how much you can afford to spend. Bellco FCU is able to provide a pre-approval based upon your credit worthiness, but beware spending the entire allotment. The last thing you want to do is commit to a large monthly payment that you can’t afford.

Second, you should begin your search with a fairly specific notion of your desired vehicle. With research, you can verify pricing, durability, rider capacity, and other details regarding the purchase, and you’ll be better equipped to evaluate the vehicles you view and test drive.

Two important items of consideration when buying a car include choosing between new and pre-owned or buying and leasing. If you buy a pre-owned vehicle, make sure that you get the details of the vehicle’s history and that it passes a multi-point inspection.

Buying or leasing is another consideration. With leasing, you need to be aware of the miles restriction. If you drive regularly, leasing might seem like a better idea than it is.

If the time has come to refinance or replace your current vehicle, come to Bellco Federal Credit Union, where the loans for cars in Berks County, PA, are second to none.