Neches FCU online services will be temporarily unavailable on February 23rd at 7pm to 10pm.

Car Buying Tips

Set a Budget
When buying a car, the first thing to do is set a budget. It is recommend that your monthly auto payment be no more than 20% of your gross monthly income. Click here to use our auto loan calculator and figure your monthly payment.

Research Online
There is so much information online to help you determine which car is right for you. From pricing to color to packages, it is easy to get confused. The more information you have, the better decision you can make when choosing a car to fit your budget and lifestyle.Click here to research cars using CU Member Auto Center. You can even make a request for more information if you find a car you like.

Get Credit Union Financing First
Many times, a dealer may try to trick you into 0% or low-interest rate financing. This may not always be the best option for you. Click here to use our Dealer vs. CU Financing Calculator and compare the two options. Apply for a loan today.

Test Drive
Once you have been approved for your loan, you are ready for the test drive. It is also important that you have negotiated with the dealer over the phone or through email. This will save you time and hassle when you visit the dealer for your test drive.

Close the Deal
Don’t forget to research the value of your trade-in if you are using your current car a part of your down payment. You may view trade in values here. Ask the dealer to show you the offer for your trade-in separate as dealers sometimes try to package the amount with your final monthly payment. It is important that you clearly understand the overall purchase price, your monthly payment, and value of your trade-in when closing the deal.

Don't hesitate to contact us for more information about buying a car.