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Member Auto Center

The Power of Pre-Approval

Shopping for a car is often time consuming and complex. At Widget Financial, we want to make your life easier! Shopping for an auto loan with a pre-approval from the Credit Union, allows you to have your finances lined up ahead of time so you can focus on getting your best deal on the right set of wheels!

When you are pre-approved for a Widget Financial auto loan, you can rest easy, knowing you will have even more negotiating power at the dealership. We'll help you know how much car you can afford so that you shop like a cash buyer. 

Here's the low down on some of the benefits of purchasing your next auto loan with a pre-approval from Widget Financial.

Negotiating

Having an auto loan pre-approval improves your chances of negotiating on what really matters; the price. It's easy to focus only on monthly payments when buying a car, while losing sight of the overall price you will pay in the long run. Avoid the temptation to discuss monthly payment at the dealership. Instead, focus on the total price so you get your best deal. After all, getting pre-approved means you and your credit union are making sure your future payments are where you need them to be, long before you ever step foot in the dealership.

Buying

It's easy to get swept up in the excitement of purchasing a new car. Some credit union members report after the fact that they spent hours researching and looking at cars that ultimately they couldn't afford. With a pre-approval from Widget Financial, you'll gain peace of mind, knowing exactly how much you have to spend and what a comfortable price range is for you.

Financing

As a consumer, you don't need to worry about the logistics of funding your purchase. When you are pre-approved with Widget, the dealership will work with us to complete the funding. When shopping, let the dealer know you will not need financing and that everything is all lined up with your ability to purchase the vehicle. This will keep things focused on the most important reason you are there: getting the right car for the right price!

On rare occassions, members have reported that some dealerships have tried to dissuade them from using the Credit Union for financing. They have tried to convince members that it is better to use another, more "preferred lender" in order to "get a better deal." Do not let this happen to you!

Widget Financial partners with the area's best dealerships and we are a preferred lender at these dealerships. We work hard to select dealers who would not behave in this way, but should this happen to you, remember you can call us 24/7 and let us know! At the very least, we'll listen and walk you through your best course of action. If there is a rate that sounds too good to be true, it probably is! But if we are not your best value, then your credit union will be the first to encourage you to get the loan elsewhere. 

An auto loan pre-approval is an extremely important step in the auto buying process and it is one that is sure to keep you happy and on track to meet your goals! Having a pre-approval gives you flexibility and can truly put you in the driver's seat.

Widget Financial works with only the best local dealerships. Be sure to insist on fianncing from our Credit Union at all of these locations!