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Auto Talk Winter 2022



Why your next auto loan should be from Topside


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If you're in the market for a new or pre-owned vehicle, you might not be thinking about the loan until you're ready to buy. Getting a loan through us BEFORE going to the dealership might take a bit more time and effort, but it's advantageous in three key ways:

  1. Rate: Direct loans with us usually have some of the best rates around. This could save you hundreds, if not thousands, over the course of your loan. 
  2. Affordability: Having a pre-approved amount in mind when actually shopping for your vehicle will help you stay on track with your budget.
  3. Convenience: Although a direct loan might take more time if you come into our branch or complete an application online, it'll translate to much less time at the dealership. Also, less heartache when you see your rate. 

Not only are our loans advantageous in those three ways, we also offer debt/credit protection, GAP insurance, and even Mechanical Breakdown protection. Sure, dealerships usually offer those too. However, once you compare the prices, you'll want to finance with us over here at Topside. The view and prices are both better from here! 

How do you negotiate with a car dealer?

  • Know your numbers! In order to get a fair deal, do your research beforehand and know what you're looking at and what it's worth.
  • Be careful with your words. 
  • Start low. It's easier to negotiate prices up than it is down.
  • Stand firm on negotiating just the price of the car. 

Get the best deal on your car purchase

Our auto shopping website is a great place to start your search. Learn as much as you can about the vehicle, including specs, tech features, and gas mileage. More importantly, research the book value of a given car and what other dealers in your area are charging. This will give you an advantage when it's time to make a decision.

We're here to help you understand the entire shopping process, and how to get the best deal on your new vehicle.



Find My Ride with Topside FCU

Not only will we help you fund your dream car, but we’ll help you find it too. Our Find My Ride service helps you research and find the right vehicle at the right price.

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