There was a time when cars were counted amongst the luxurious products and only the high income earners could afford it. But these days, owning a car is no more a difficult task even for those belonging to middle or low income families. This has been possible only because of the auto loans. Auto loans help you in purchasing the car you have been dreaming about till now.

If you are planning to apply for a car loan, there are some important points which you to consider. These will make sure that you enjoy owning your dream car without any fear or hassles while repaying the loan amount. These points have been mentioned below:

• Know about the interest rate.
• Know whether the interest rate is fixed or variable.
• Know how much fees you will have to pay to the loan providing institution.
• Know how often you will make repayments i.e. semi-monthly or monthly.
• Know how long it will take to repay the loan.
• Know the total loan cost including fees and interest over the entire term of the loan.
• Know if you can make extra repayments without paying any penalty.
• Know about the penalties and surcharges behind the repayments.

Know whether you can pay out the loan early or not. If yes, what will be the fee involved?
Make sure you keep these points in mind while opting for an auto loan. You can choose from secured and unsecured car loan. The advantage of opting for secured car loan is that, the rate of interest is lower than that of an unsecured loan.

We at Greater Central Texas Federal Credit Union provide you with fastest and reliable secured auto loans. No matter you want to purchase a new car or a used one, we have solutions for all your loan needs. We offer you flexible loans to suit your financial compatibility.

For more details on secured auto loans and car financing, visit us at Greater Central Texas Federal Credit Union located at 3305 E Elms Road, Killeen, TX 76542. You can also call us at 254-690-2274.

Cheap Auto Loan - Secured Auto Loan

Buying a pre-owned car is a tricky task as the vehicle can have several hidden problems which you might not notice (even when you test-drive the car). For this reason, having a knowledgeable mechanic always proves to be beneficial.  It is also a smart move to buy certified pre-owned vehicles from reputed deals.

Whatever be the source of your vehicle, you should keep in mind the following points so that you are able to take the right decision:

• Check out the minor & major problems: Keep a track on the minor problems while negotiating the deal. It is obvious that the vehicle will have some issues, so do not worry as these can be repaired and taken care of later. But if you see any major issue in the car, then it is advisable to consider another car.
• Check car history records: The car history record will make you know about the past problems including any kind of accidents, damage, rental use etc.
• Check the car body: Have a thorough look at the overall appearance of the car. It includes the body lines, color, windshield, scratches, dents, corrosion spots, mirrors, wipers, wheel covers and many more. If you find any problem you may negotiate the price further down accordingly.
• Check the door: In order to check the doors, open them and try lifting up on the hinges. The hinges must have ample free play (not excessive) and doors must be easy to close.
• Check the tires: The tires must be of reputable brand and their sidewalls must be damage free ie free from cuts, bubbles, cracks etc.
• Check vehicle manufacturer’s label: It is usually located on the driver’s door. Do check for the VIN number and the manufacturing date.
• Check the interior: Car’s interior must be in good condition. Check for any burn marks, scratches, tears in the seats, broken door handles, visors, electrical accessories like CD player, air conditioner, heater, radio, remote control functioning et al must also be checked.

To avail cheap auto loans for both used and new cars or to know more about these guidelines visit us at Greater Central Texas Federal Credit Union. We provide you quick and cheapest car loans in Texas. For more details contact us at 3305 E Elms Road, Killeen, TX 76542. You can also call us at 254-690-2274.

Cheap Auto Loan - Lowest Used Car Loan

Almost everyone dreams of owning a high-end car but in most of the cases financial constraints doesn’t let them own one. Fortunately, there is a solution to it. If you can’t afford buying a new car, then go for a used one!
Used cars are known to give the best value for money. It is a fact that a new car depreciates faster, usually in first three or four years. After this time period, a car is worth only around 60% of its original price. So you get a chance of owning a late-model car at relatively low prices.

But while buying a used vehicle, you need to consider various factors to avoid any kind of problem later on. These factors are:

• Reliability: Buying a late-model used car is not much of a risk than the older ones. If you maintain the car, it will give a great performance with no major breakdowns.
• Warranties: Car usually faces very few problems in its early years and all the minor problems are covered by the warranty provided. But the case is completely different with a used car. It either is coming off warranty or is already off. You may have to pay for repairs from your pocket.
• Repair: The tires, brakes and battery are needed to be considered first as these are the high-wear items in the car. Inspect the car well before purchasing and make sure that the car does not need much repair.
• Depreciation: It depends on various factors such as the popularity of a model, its quality, supply etc. A car tends to depreciate in value in its early years.
• Safety: Always look for safety features such as antilock brakes, traction control, and side air bags are add on features.
• Rate of interest: If you are opting for auto loan, you may get lowest interest rates if you choose a reliable loan providing source.

Always remember that you should not look for the cheapest car. Particularly when you are buying a used car, you must go for the best deal keeping in mind the good condition, least repairs, fewer troubles etc.

To avail cheap and secured used auto loans, visit us at Greater Central Texas Federal Credit Union at 3305 E Elms Road, Killeen, TX 76542 or call us at 254-690-2274.

Lowest Used Car Loan - Cheap Auto Loan

A majority of people postpone buying cars just because they do not have enough money for the same. If you are amongst the ones who have postponed buying their dream car due to financial constraints, you will be glad to know that various secured and unsecured auto loan plans can help you. You can choose from various auto loan plans, loan tenures etc that will suit your financial budgets.

What are secured and unsecured loans? A secured loan is backed by some collateral having value equal to or greater than the loan amount. It offers you flexibility to repay the amount at a reduced rate of interest. Whereas an unsecured auto loan on other hand does not make you pledge any collateral to the loan provider. It is simply granted on the basis of your monthly income as well as expenses. Though one can find a number of banks and auto loans providers in Killeen, but choosing the right one is extremely important. While selecting an auto loan, you should look into any hidden charges, interest rates, loan tenure etc being offered by financial service provider and should compare it with others.

We at Greater Central Texas Federal Credit Union provide you quick and cheapest car loans in Texas. We neither harass you ask you by asking unnecessary questions nor make you wait for days to sanction your auto loan. We are renowned to approve your loan within 24 - 48 hours from the time we receive your completed application and verification of income.

If you are planning to buy a car, truck, van or any other vehicle, visit us today and avail the cheapest auto loans in Killeen. We also provide quick used car loans. All you need to do is fill in your details in the used auto loans application form. We will get back to you in 24 hours and provide you cheap auto loans.

For Cheap Auto loans in Central Texas visit us at Greater Central Texas Federal Credit Union 3305 E Elms Road, Killeen, TX 76542. You can also call us at 254-690-2274.

Cheap Auto Loan - Secured Auto Loan

The Greater Central Texas Federal Credit Union is a Killeen based financial institution that helps provide cheap auto loans to those who wish to invest in a new vehicle. As cars these days can turn out to be quite expensive, we provide low interest auto loans that can help finance your vehicle to a significant extent. We offer different kinds of interest rates on our auto loans depending on your credit ratings and your loan history. If you have exercised good borrowing practices and repaid your existing loans in a timely manner along with the accumulated interest rates, you will be granted a loan by us in a matter of a few hours. The interest rates enjoyed by those who have a good credit history also tend to be much lower than those who have defaulted in their past loans.

We do not follow lengthy and complicated application procedures that can be quite a turn off for potential borrowers. On the other hand, we have a very simple screening process that you can even choose to complete online by logging onto our official website. A few necessary documents as prescribed by USA Patriot Act 2000 may be necessary so that we can positively establish your identity. The necessary documents can be mailed or faxed to the address provided on our website. We follow a set of pre defined parameters to determine the rate of interest that we are going to charge for each kind of auto loan depending on the price of the vehicle you wish to buy and the financial information provided by you. This is done in order to assess your ability to repay the auto loan that is being taken.

We also have special offers that allow you to avail discounts depending on the kind of credit card you hold. Master card and visa card owners can enjoy hefty discounts in auto loans as well as in other kinds of loans being offered by us. You can either apply for a secured or an unsecured loan depending on your particular needs.

For more details on auto loans in all credit situations, visit us at Greater Central Texas Federal Credit Union, 3305 E Elms Road, Killeen, TX 76542. You can also call us at 254-690-2274.

Cheap Auto Loan - Lowest Used Car Loan

Secured Loans have gained more popularity as compared to the unsecured loans these days. People usually turn to opt for consumer finance that provides them with the better deals with low interest rates. They look for a financial solution that caters to their specific needs and requirements for a loan. Secured loans are more in demand now as they are more affordable and provide good value. Secured loans can be taken for variety of needs; be it auto financing, buying a house, or simply a personal loan, secured loans are the best bets.

Secured loans are called so as they are given against some collateral and thereby, have more benefits than the unsecured ones. Some of the benefits of secure loans are:

• Secured loans are one of the most cost effective options available in the market as they are guaranteed by personal property or collaterals, which enable the borrowers to take loan quite easily.
• Secured loans offer high borrowing levels as compared to the unsecured loans. The amount of the loan depends on the equity with longer repayment periods.
• Secured loans are easily accessible and one can consolidate other loans and credits as well. You can also use secured loans to repair your previous credit structure and pay off some debts too.
• Secured loans are more affordable loans and you can get more competitive deals on it with a better repayment structure and interest rates. 
• Most of the secured loans can be processed quickly these days and you can avail huge benefits on it with timely repayment of the loan.
• In case of secured loans for getting higher loan amounts, you can get it against collateral of similar value.

If you are planning to buy a new car, you can get 72 month auto loans to buy your new car which will prove to be cost effective.  For more details on wide range of secured auto loans in all credit situations, you can contact Greater Central Texas Federal Credit Union, 3305 E Elms Road, Killeen, TX 76542 or you can call at 254-690-2274.

Secured Auto Loan - Lowest Used Car Loan

Whenever you feel the need of purchasing a new car but don’t have sufficient amount of finances, Auto Loans provide you with an opportunity to bear the cost without letting your dream go. Auto loans have become a much needed thing now-a-days. It is always advised to opt for the specific type of car loan as per your needs and requirements so that the budget could be well managed in hand. An auto loan helps in better control over the finances and makes the purchase more organized.

You should carefully choose among the various types of auto loans that are provided by various banks and financial institutions. Some of the major types of auto loans that are available in Texas are given below as:

• Long term auto loan - Car loan is given for a long term for the purchase of a brand new car. Long term auto loans usually lasts for a period of 60 months or 72 months and it may feature small monthly payments as well.
• Short term auto loan - It generally has a higher monthly EMI. As the time period for repayment is short, the total interest paid in this case is less.
• Used auto loan - The auto loans which are given to buy used cars are called “used auto loans”. To get a used auto loan, you are required to show higher credit standards because of the higher risk involved.
• New auto loans - The auto loans that are provided for a brand new car are known as new auto loans. The credit standards can be of average type and a low credit score is easily acceptable, but for a higher rate of interest.
• Direct financing - This type of loan is independent of any dealer and so, bargaining can be done which provides more flexibility to it.
• Second-chance auto loans - It is specifically meant for those people who do not have appreciable credit score.

Many banks and financial institutions offer different types of car loans and you can opt for a specific type that is best suitable for you. You can avail huge discounts and benefits if you are a member of the credit union. Auto dealers also provide you with a much more competent deal than other usual conventional methods.

For more details on wide range of auto loans and auto financing in all credit situations, you can contact Greater Central Texas Federal Credit Union, 3305 E Elms Road, Killeen, TX 76542 or you can call at 254-690-2274.

Secured Auto Loan - Cheap Auto Loan

Technology has made our lives simpler but has also made us too dependent upon it.  Car for instance, has become one of the biggest necessities today. But buying car is a big expense and only those with hefty money can afford to buy it as per their choice.

However, car loans are available for the convenience of those who do not have enough budgets to buy a car. It provides them with an opportunity to purchase a car of their choice.

Auto loan can be broadly categorized into secured and unsecured loans.  Purchasing a car using secured auto loan is comparatively a better option than opting for an unsecured auto loan. This is because when you opt for a secured loan, you need to keep a valuable asset such as land, house or any other property as a security to the lender. You can avail really low rate of interest as there is a low risk of money and added security for the lender.

On the other hand, unsecured loan does not require any collateral.  For this reason, it is great option for the people who do not own any asset. But the rate of interest is not solely dependent upon the collateral. The other factors like the credit history and ability to repay also play important role in deciding the interest rates.

Cheapest auto loans in Central Texas are available at Greater Central Texas Federal Credit Union. We provide you with secured car loans regardless of your credit history.  The loan offered by us does not demand any down payment.  Even if you do not have a regular income, we provide you with an auto loan at very reasonable rates of interest.

We are a renowned financing agency throughout Texas for providing our customers with fastest and reliable secured auto loans. The loans offered by us are flexible which suits your financial compatibility. For further details on secured auto loans and car financing, free to contact us at - Greater Central Texas Federal Credit Union located at 3305 E Elms Road, Killeen, TX 76542. We can also be contacted at 254-690-2274.

Cheap Auto Loan - Secured Auto Loan

There is a great diversity and variety in the number of car models available these days. A car has become a kind of a necessity in today’s life and owning your personal vehicle can prove to be quite a joyful experience while also making your life much simpler and easier. If you have had your eye on a new car model that is priced slightly on the higher side and thus is well out of your budget, you need not despair or compromise on a cheaper car model as we can help you obtain auto loans to fulfill your dreams. We offer our services in Texas and specialize in the area of auto loans.

The best thing about our process is that it is very easy to apply for the loan. You need not get into long paperwork and verifications to get your loan request approved. There is a step by step guided process showcased on our website that can help you obtain quotes simply by filling in your area code. There are several parameters that are considered while making the decision of whether to grant a particular client a loan or not. For this purpose, all applicants are required to answer a few simple questions and furnish relevant information so that we can be sure of our clients’ credentials and positively establish his/her identity. All this information helps us arrive at a decision and also helps generate interest rates for the loan in your particular case.

The amount of interest that you will have to pay differs on your financial profile as well as the make or model of the vehicle that you are purchasing. The price of the car is taken into account while formulating different interest rates that are appropriate for different applicants. The interest rates that we offer on our auto loans are much lower than those that can be obtained from other financial institutions in the vicinity. This makes us the most preferable company when it comes to obtaining Auto loans.

To procure secured auto loans comfortably and quickly, visit us at Greater Central Texas Federal Credit Union, 3305 E Elms Road, Killeen, TX 76542.We can also be contacted at 254-690-2274.

Lowest Used Car Loan - Secured Auto Loan

Auto Financing relates to the financing of the auto vehicles, especially for those buyers who are not able to buy the vehicle of their choice due to the high prices of the vehicle. Auto financing provides them with the auto loans, thereby enabling them to own the cars of their choice instantly and pay for it later. These auto loans help in managing the monthly budget by taking off the burden of paying the huge amount of the vehicle instantly. This is done by levying a reasonable rate of interest which is paid as monthly installments for a pre-decided period of time to the auto loan provider.

Though, auto financing provides you with an easy option of getting the vehicle without worrying about its high prices, there are some do’s and don’ts about auto financing which you should always keep in mind. Some of these do’s and don’ts can be described as under:

Some Do’s about Auto Financing

• Do introspect and try to analyze your personal financial strength and the credit history, before you could decide about taking an auto loan. It is essential to know what your pocket allows without difficulty at a later stage.
• Do research well beforehand and decide about the vehicle you intend to buy and the respective prices that are available in the market. Also research about the rate of interests that are offered by the different financial institutions and banks for the auto loans.
• Do negotiate and try to bargain with the interest rates with the auto loan service providers. Many banks offer low interest rates to grab the attention of the customers but levy hidden charges. Therefore, it becomes important to check and negotiate properly.
• Do verify the documentations of the auto loans you are applying for and the respective legal formalities related to it. It is also necessary to verify the loan provider which may be a bank, financial institution or private company.

Some Don’ts about Auto Financing  

• Don’t overdo your budget as it would prove to be a bad deal later on. It is necessary to keep aside some cash or funds for the times of emergency or financial ups and downs.
• Don’t go for very high rates of interest as it would create problems in the long run.
• Don’t make decisions in a hurry as it would hamper your loan process as well as your financial position, which may suffer losses.
• Don’t settle over a deal without thinking over its pros and cons. The deal may look good for a while but it is should be workable in the long run as well.  

For more details on wide range of auto loans and auto financing in all credit situations, you can contact us at Greater Central Texas Federal Credit Union, 3305 E Elms Road, Killeen, TX 76542 or call us at 254-690-2274.

72 Month Auto Financing - Auto Loan in Killeen, Tx