Whether you're buying or refinancing, an auto loan from SunWest Federal Credit Union in Arizona will help get you on the road in no time.
A vehicle purchase is often one of the more expensive purchases a person will make, so it’s not one to be taken lightly. That doesn’t mean it has to be the nightmare experience many have come to associate with car buying.
SunWest puts you in the driver's seat and makes the process effortless from application to purchase. Not everyone is a car buying expert, but we can help you get there.
You’ve done the research and you know what you want, but you aren’t sure where to start. Our pro tip? Hype yourself up. Think of it like dating, except you’re the only one that needs to be impressed. Let’s take a look at that process:
A pre-approval gives you the power of a “cash buyer.” This sends the message to the dealer that you aren’t there for a car loan or to make a deal on financing, and it helps you focus negotiations to purchase price.
Ready to go shopping? View our competitive auto loan rates and get pre-approved for a SunWest Credit Union auto loan today so you can determine the budget that’s right for you.
Once your auto loan funding is approved, it’s time to test drive and get your fill of new car smell... or, new to you, car smell. Scroll through your options online, read those bios and schedule your date.
Prepare questions that are most important to you like safety, fuel efficiency, and price. Ultimately, the best way to buy a car comes down to doing your research. If you need a little help getting started, browse CUDL AutoSMART to point you in the right direction or work the numbers with our auto loan calculator.
Terms starting from 6 months, all the way to 60 months. Have your Branch Representative review payment options based on the different terms, so you can decide what works best for your personal plan. Shorter terms mean a higher monthly payment, but you’ll end up paying less interest.
Longer terms give you wiggle room in your monthly budget which can come in handy during those times you’re stretched thin. You’ll pay more in interest, but you can also choose to pay extra on those months you’re able, paying the loan off early and saving on interest charges.
Our Indirect Lending team takes it from here. We’ll break down exactly what’s needed to start the loan process, go over your financing options and competitive rates so you get the low monthly payment that works for you, and get you riding off into the sunset for your happily ever after. Or at least until the next car purchase.
Transparency is key. When you finance an auto loan with SunWest Federal Credit Union, you know your competitive rate, average savings, and monthly payment before you start shopping for your new or used car.
Flexible terms to fit your budget. Ask your Branch Representative to estimate your loan payments based on the different terms available. This will help when it comes to budgeting for auto insurance, extended warranties, and don’t forget fuel. Again, we’re all about that transparency.
Whether you’re purchasing from a dealer or a private seller, we’ll estimate and disclose any applicable fees before the deal is done. You also don’t have to pay to submit an auto loan application, and we will never hide closing fees, if any apply. Did we mention we love transparency?
Zero prepayment penalties. One of the best feelings you can get in finance is paying off a debt early and saving yourself interest. If you win the lottery the day after this purchase and pay off your loan, you’ll be saving yourself all the interest you would have paid throughout your full loan term. You’ll only pay what is due, when it is due, with no additional fees. We want that for you.
Ready to cruise the open road on your hog, tear up those Arizona sand dunes, make some wake on Lake Pleasant, or road trip America in comfort? We got you! Whether a new or used car loan, or something more recreational, SunWest offers a variety of low rates on loans for many vehicles.
Includes: Everyday driver automobiles like Sedans, Trucks + SUVs
Enjoy direct deposit into your checking or savings account with no minimum deposit to open
Includes: Motorhome, 5th Wheel, Travel Trailer, Toy Haulers, Cab-Over Camper, + Pop-Up Camper
Includes: Boat, Wave Runner, Sea-Doo, Jet Ski, Quad, + Other ATVs