0% Financing - It's Tempting, But... Don't be Fooled

They're eye-popping. They're attention-grabbers. They're everywhere - all those tempting 0% auto financing offers from the dealers. But there's more than meets the eye when it comes to 0% financing.

If you have a choice between 0% financing and a rebate, we say take the money and run. Why? Here's a prime example on a $20,000 loan for 48 months.

And remember...

• Only 25% of new cars sold qualify for 0% financing.
• The 0% offer usually doesn't apply to all the vehicles at the dealership; it's generally restricted to certain makes and models.
• Qualifying for 0% is difficult - your credit record has to be virtually spotless.
• There can be hidden fees, which can increase the final loan amount.

Be smart when you're ready to finance your next vehicle. If you want assistance in making a choice, let our loan experts give you a hand so you can make an informed decision. If you do decide to finance with us, have your loan pre-approved for added bargaining leverage at the dealership. To speak to a loan representative, stop by one of our branch offices or call (626) 441-1999. You can also apply for your loan by clicking here.

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*APR-Annual Percentage Rate, which is subject to change. Rate quoted includes a .5% discount for automatic payments. The monthly payment on a 48-month loan at 4.75% APR is $343.75, $20,000 is $458.32 and for $25,000 is $572.91. Quoted rate is our lowest rate available and may be higher depending on our evaluation of your credit worthiness. If we determine your rate will be higher, we will provide a new disclosure and explain our decision. Financing available up to 100% of the purchase price for new vehicles model years 2000 and newer; up to 100% of the Kelley Blue Book value on used vehicles. All loans on approved credit and subject to Priority One loan policy.

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