A pre-approval is a smooth and safe route.

This is a paid post contributed by a Patch Community Partner. The views expressed in this post are the author's own, and the information presented has not been verified by Patch.

Research is an important step when you’re in the market for a vehicle. Most drivers will look into gas mileage, special features, and book values. What you might not realize is that securing a loan should be where you start. Getting pre-approved before you shop can help you avoid being rushed into dealership financing and has more benefits than you think.

• Know your limit – A pre-approval will indicate your price range and can keep your budget on track. This can also help you negotiate.
• Go at your own speed – You can apply for a Car Loan right online and a pre-approval is good for 60 days, so you’ll have some time to find the right car.
• Search by numbers – Some online shopping sites, like our Showroom, provide the option to search by payment. Knowing your preferred price can help you zone in on your next ride.

Turning to a local lender has even more benefits. New members of Proponent Federal Credit Union can enjoy a .50% rate discount* on all types of Auto Loans.

Follow us on Facebook, LinkedIn, and Instagram for exciting announcements coming soon!

Click here to view details and eligibility information, as well as other exclusive offers or fill out our request form to be added to our email list.

*APR = Annual Percentage Rate. Offer only available to select new Members and valid 60 days from date of membership. 0.50% rate discount is valid on all new, used and refinanced vehicles not currently financed with Proponent. Offer cannot be combined with any other offer. APR is based on credit worthiness, loan type, loan to value and term of the loan. Rate cannot be lower than 1.49%. Example monthly payment for a $20,000 New Auto loan at 1.49% for 48 months would be $429.49. Other restrictions may apply. Financing available up to 96 months on a New vehicle loan and 84 months on a Used, Refinance or Recreational vehicle loan. Rate and terms subject to change. Up to 100% financing available, based on NADA “retail” value. Restrictions apply on financing a vehicle with a Loan to Value over 100%. Length of promotion is at Proponent’s discretion. Promotion requires a promo code distributed to qualified applicants.

This post is an advertorial piece contributed by a Patch Community Partner, a local brand partner. To learn more, click here.