Jessica Lunsford Blog

Financing the purchase of a new or used vehicle can be a challenging task at any time, but in today’s economic climate it is even tougher. You live in Phoenix and you are about to shop for a new or used vehicle. What you end up buying may be a function of your ability to finance the purchase. How much you can borrow obviously influences how much you can spend on a car. Where do you begin looking? Many shoppers don’t even look into financing until they are sitting in the dealership ready to buy. But it’s possible to arrange financing in some cases before you buy.

Pre-Purchase: Financing on Your Own

Some people don’t know that credit unions with which they may be affiliated offer auto loans. And some of them actually issue you a “blank check” good for up to a pre-determined amount. In this way you can walk into a dealership already knowing how much you can spend for a car. In addition, you now have the option of purchasing a vehicle from a private owner. So if your company or your labor union has a credit union, look into it. Even if you are not currently a member, it may be worth your while to join just to take advantage of this means of financing a vehicle purchase. If you have a very good and long standing relationship with a local bank in Phoenix you may wish to check with them as well. Searching the net is another way to find potential sources of Pre-Purchase financing. Enter “Auto Loans in Phoenix Arizona” into your favorite Internet Search Engine” and you will get a lengthy list of potential sources. Reading through the top hits in the list can give you an idea of the options available. Call a few places and they may be able to pre-qualify you over the phone.

Pre-Purchase: Financing Online

Now try entering “Online Auto Loans” in the search engine. You’ll get a list of sources where you can arrange pre-purchase financing completely online. Edmunds.com is a very reliable source for this type of financing. Also check Ebay Motors — a good place to shop for a vehicle as well — and you will find pre-purchase options there. If you qualify for this type of loan you will again have the significant advantage of knowing the upper limit of what you can afford before you buy.

Financing through the Dealership

This is the traditional approach to financing a vehicle taken by most shoppers. Go to a dealer, fall in love with a car or truck, and then go sit in an office and hope and pray you get approved for the amount you need. The dealer does not do the actual financing. They act as an intermediary between you and a lending institution.

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