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INSIDE Summer 2009 SESLOC Drives Down Auto Loan Rates Summer Travel Checklist It Pays to Know Your Limits 3 Ways to Boost Your Credit Score Test Your ID Theft IQ Save Time and Paper with E-statements Inactive Account Reminder Briefs
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SESLOC Drives Down Auto Loan Rates
We’ve reduced our vehicle rates. So if you’re thinking of buying a car, truck, SUV or motorcycle – new or used – you’ll put more purchasing power in your pocket with a pre-approved vehicle loan from SESLOC. Our auto loans are available with up to 100% financing.** Now is the time to refinance your loan from another lender and see what a difference a rate makes. In some cases, we may be able to extend your terms so you can enjoy lower monthly payments on the balance of your auto loan.Rate Rewards When you save toward a purchase, you’ll reap the rewards. Our rates reflect a .50% rate reduction for borrowers who finance 80% or less (new purchase price or high Blue Book value for used). Remember, your trade-in vehicle, manufacturer’s rebate and good savings habits all help reduce the amount you finance. On the other hand, if you choose 100% financing, you’ll still get one of the best rates available. Let Uncle Sam Help In March, the IRS announced that taxpayers who buy a new passenger vehicle after February 16, 2009, may be entitled to deduct state and local sales and excise taxes when they file their tax returns next year. The deduction applies to taxes paid on the purchase of a qualified car, light truck, motor home or motorcycle, up to a purchase price of $49,500. Income limits apply, so consult your tax professional regarding your situation. Call us to find out how we can help you downshift your auto costs.
Get the Edge with Loan Pre-Approval
Car buying can be an exciting experience. It can begin with “I’m just looking,” and end with a signed contract and a loan rate you don’t want. Loan Pre-Approval: Talk to our loan experts before you shop. They’ll explain our rates, any special loan programs for which you qualify, and they can help calculate how much car fits comfortably into your budget. Ask about the research tools on our website, and find out if our no-fee car buying service is right for you. Educated, pre-approved shoppers are less likely to get locked into a deal they can’t afford, and they’re more likely to negotiate the best possible purchase price – because their loan is ready when they are. Stop by any SESLOC branch for assistance.
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Mailing Address: P.O. Box 5360 San Luis Obispo, CA 93403 |
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| This publication does not constitute legal, accounting or other
professional advice. Although it is intended to be accurate,
neither the publisher nor any other party assumes liability
for loss or damage due to reliance on this material. © 2009 SESLOC Federal Credit Union. |
