Tag Archives: financing

new vehicle

The New Average Monthly Car Payment is Now $700! How to Reduce This and Still Get a Great Car.

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It’s the new reality: the average monthly new-car payment surpassed $700 in May 2022. As a result, many people have decided to wait on buying a new car until the market returns to normal. Unfortunately, this current market looks to be the new normal. Even though car prices are decreasing, interest rates are increasing, making car payments higher than average. 

The Federal Reserve continues to raise the federal funds rates, driving auto loan interest rates to a 20-year high. The average new-car transaction price, according to Cox Automotive, remains above $48,000. In October 2022, the average monthly new-car payment hit another high of $748 a month. Average used-car payments have surpassed $550 based on a 70-month loan term and 10 percent down. 

According to Edmunds, the average car loan APR for new cars is 6.3 percent, and for used cars it’s 9.6 percent. Even if you’re saving a bit on the cost of the car, your monthly car payments can still be out of reach because of the new interest rates. Unfortunately, experts predict that things will stay this way throughout most of 2023. 

So what if you are in the market for a new or used car, but you’re not in a position to pay $700 or more a month? Below are some tips to reduce the cost of your payment and still get a great vehicle. 

Determine What You Can Afford 

First off, determine what you are comfortable paying for a vehicle each month. If you know the average costs for a new car are around $700, and $550 for a used car, you can establish a realistic budget. But it’s also important to assess what you can actually afford

Many people can’t take on a car payment that’s over $500, so if this is the case for you, you’ll need to find creative ways to reduce your payments. For example, you can put more money down and shop for lower interest rates – which brings us to our next point. 

Compare Interest Rates from Different Lenders 

Even though dealership financing is convenient, you’ll also end up paying more for it. That’s because dealerships make money off financing. They might tell you that you qualify for a 9 percent interest rate, when in reality, you qualify for 7 percent and the extra 2 percent goes to the dealership. 

Businesses need to make money, but you also have the right to shop around for the best rates. Before you set out to buy a car, compare interest rates from different lenders. Many lenders offer prequalification, which gives you the rates without affecting your credit score. 

Don’t Be Afraid to Negotiate 

Speaking of leverage, don’t be afraid to negotiate, even in this market. Some inventories are healthy, so you may be able to negotiate a better deal or take advantage of special offers. But negotiations don’t stop there. 

When you shop for a repo car on RepoFinder.com, you can negotiate directly with the banks and lenders that are selling their inventory. They’re in the market to lend money – not sell vehicles – so they’re often open to working out a deal. And, you can get your financing directly from them! 

Consider Other Options Like Repo Cars 

Speaking of repo cars, don’t forget to consider other options like them. Repo cars have been taken from their owners for failure to pay, and they are sold at heavily discounted prices. You can also save money by looking for vehicles from private sellers in your area. Just be sure that you bring someone along for an inspection. 

Get the Most Out of Your Trade-In

Finally, if you have a car to trade-in, make the most of it. You can spend a small amount of money to clean the car, have the oil changed, etc. and get a higher offer on it. You can then use this money to put toward a down payment. Having a bigger down payment is an excellent way to bring down the cost of your payments. 

RepoFinder.com has a free list of repossessed vehicles that are available to the public. View them on our website, place a bid and schedule a time to inspect the car all from our platform. And it’s free! 

used vehicle

Used Car Prices are Falling, But Monthly Payments are Rising. Why is This the Case?

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It’s the good news we’ve been waiting to hear: used car prices are finally falling. However, monthly payments are still rising, which means many people are holding off on selling or trading in their vehicles. Interest-rate hikes from the Federal Reserve are the culprit of higher monthly payments – and experts predict that we won’t be seeing relief any time soon. 

The New Face of the Used Car Market 

The average monthly payment for used cars is 47 percent higher this year, reaching an average of $551 a month, as compared to 2019. Experts say that monthly car tabs will continue to increase to $570 by the end of this year, and continue increasing in 2023. 

The aggressive attempt to curb inflation is having a negative impact on the used car market, as these vehicles are no longer affordable. As a result, used car dealers are struggling with significant drops in sales. Even Carvana, an online-only used-car retailer, plans to lay off 8 percent of its workforce due to sluggish sales. 

Affordability and supply chain issues will also continue to affect the used car market in 2023. While the auto industry was impacted by the chip shortage, they were still able to sell vehicles over MSRP. Sales volume dropped, but cars were selling at a premium. Now, new car sales are estimated to close at 13 million units this year, a three million drop from previous years.  

Car Interest Rates Expected to Stay High Through 2023

So when will interest rates come down, making used vehicles more affordable? Not for a while. In fact, experts say that they expect auto interest rates to stay high throughout all of 2023. Consumers have gotten used to generally low interest rates for the past couple of decades, but this is no longer the norm. 

According to Edmunds, 14 percent of consumers who financed a new vehicle between July and September this year are paying more than $1,000 a month. This means that one in seven loans is more than a grand! It wasn’t that long ago that mortgage payments weren’t much more than this. Now, we’re paying this just to drive a car. 

Options for Affording a Used Vehicle 

If you have a decent vehicle that you bought several years ago, you’re probably in good shape. You likely purchased the car at a competitive price and have a low interest rate. But not everyone is sitting pretty. If you are in need of a new car, you may have no choice but to buy in this market. 

Here are the best recommendations for affording a used vehicle in 2023: 

Consider repossessed cars 

Repo cars come at a significant discount and can open up more opportunities. RepoFinder.com has a huge inventory of repossessed vehicles that you can purchase directly from banks, lenders and credit unions. You can negotiate directly with the seller, and even get attractive financing. Some people see savings of up to 30 percent! 

Shop around for financing 

Oftentimes, buyers get their financing directly from the dealership. While it is easy and convenient, you’ll often end up paying higher interest rates. To save money and ensure you’re getting the best rates, shop around for financing before you start looking for a used vehicle. 

Avoid cars that are in short supply 

Some vehicles are in short supply, such as Kia, Subaru and Honda. Therefore, you’re going to pay more for them. Buick, Jeep and Ram have more abundant inventories, which means you have more negotiating power. They may also offer some incentives. 

Save for a larger down payment 

You can save for a down payment by budgeting carefully and trading in your current vehicle. For every $1,000 you put down, you can save around $17 a month. While it might not sound like much, you can make your purchase more affordable by saving for a larger down payment. And don’t forget to make the most of your trade-in – now is a good time to start polishing it up! 

Shopping for an affordable used car? RepoFinder is pleased to offer a comprehensive list of repossessed vehicles from banks and credit unions. You can use one platform to view available vehicles, research their condition and place a bid. And it’s all free to use! 

financing at the dealer

Auto Financing Through a Bank or Dealer: Which Option is Best?

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Unless you plan to pay for a new or used vehicle with cash, you’ll need to obtain financing. You have two main options when acquiring financing: a bank or a dealership. There are pros and cons to both, and no option is necessarily better than the other. 

That being said, we typically give the edge to obtaining financing through a bank. You can usually get the best rates and terms this way, though it’s not as convenient as getting financing at a dealership. Let’s learn more about the two options! 

Financing Through a Bank 

Bank financing involves going directly to a bank or credit union to get an auto loan. You’ll be pre-approved before you go to the dealership, so you’ll know how much you can spend. You’ll also have some negotiating power, as the dealer will know that you’ve been approved with favorable terms and rates. If they want to offer you something, it will have to be competitive. 

The benefit in getting financing from a bank is that you’re getting the true interest rate. There is no markup like you may get from a dealership. You also have the option to shop around so you know that you’re getting the best rate. We do recommend starting this process early, as it can take time to process your application. 

Financing Through a Dealer 

Dealer-arranged financing works in the same way as bank financing. The difference is that the dealer is doing the work for you. And, you can get this financing on the spot. It doesn’t take as long to process, so you can car shop and walk out with something on the same day, providing that you have a good credit score. 

While dealer financing is convenient, it has the drawback of being more expensive. Dealers often negotiate higher interest rates than what lenders offer, as this boosts their bottom line. For instance, if you qualify for a 5 percent interest rate, the dealer may come back with a 7 percent interest rate, keeping the 2 percent difference. 

In general, you can get the lowest financing when buying a new car. Many dealers offer promotional financing on brand new models, including rates as low as 0 percent. However, you’ll need to qualify for this, so expect to have a good credit score.

Is There a Better Option for Auto Financing? 

Now that you know the pros and cons of bank vs dealer-arranged financing, you can make an informed decision. If you have the time, we recommend getting pre-approved on your own. 

Even if you decide to go with dealer financing, you’ll at least know that you’re getting a fair deal. You’ll have some negotiating power, helping you keep your interest rates down. And if you decide to acquire your own financing, you can shop around and get the best terms. You are the one in control. 

Shop with RepoFinder – and Acquire Financing All at Once! 

RepoFinder has a huge database lenders and credit unions that are selling repossessed cars. You can obtain financing beforehand, or you can work with the banks directly. Not only will you get the best rates, but also you’ll save money on the vehicle itself. Repossessions can be as much as 30 to 40 percent cheaper than new cars. Shop today and see what you can find at a great price!

obtain financing

Reasons to Obtain Financing Before Buying a Car

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The best time to shop for auto financing is before you go to the dealership. While many people worry about getting a raw deal on a car, the real damage can come from the financing. Dealers make their money off in-house financing because they mark up the rate you’re offered. 

For example, if you qualify for a loan of 6 percent through a bank, the dealership may offer you 8 percent in financing. And for many car buyers, as long as the payments make sense, they don’t worry about the details. Plus, getting financing through the dealer is often fast and convenient, especially if you haven’t had a chance to shop. 

But since you are reading this article, you’re likely considering the perks to obtaining financing before heading to the dealer. Below we’ll cover the benefits of doing so in more detail, as there’s more to this than just saving money.

Favorable Terms 

Before you walk into a dealer, it’s best to have an idea of what the interest rates and loan terms are based on your credit score, as well as the monthly payments you can afford. This way, if the dealership does offer you financing, you’ll know how it stacks up to what you can get on your own. 

Lower Stress Levels 

Another benefit in obtaining financing before buying a car is that you’ll have lower stress levels when it comes time to sign the paperwork. You’ll feel confident that you’re getting a fair deal, and you’ll be better prepared to negotiate, if you have to. Car salespeople have a history of pressuring people, but being informed prevents this. 

Save Money 

By shopping for financing in advance, you can secure the best loan terms and interest rates based on your credit score. You can apply online to see how much you can borrow and what your payments will look like. It’s also possible to identify potential credit problems ahead of time. For example, if your score is lower than you thought, you can find out what’s causing the problem.

Get Better Rates 

Dealer financing is most convenient, so if you’re already pre-approved for financing, you can use this to get the best rates from the dealer. Believe it or not, dealers have some of the lowest financing rates available. When you come in with a pre-approved loan offer, the dealer must compete with this. If the dealer does beat the rates, make sure that the loan terms don’t change. 

When you shop with RepoFinder, you have access to repossessed cars, trucks and SUVs at great prices! Because these vehicles are being sold by banks and credit unions, you are also in a great position to negotiate the best rates possible. Start your search for a repo car with RepoFinder! 

car salesman

5 Sneaky Car Dealership Tricks to Be Aware Of

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Even though most car dealers work hard to build long-lasting relationships with their customers, some are still pushy and live up to the stereotypes shown in TV and movies. It’s understandable why car salespeople have to be pushy at times – they’re working off commission. But that doesn’t mean that you have to fall for any of these traps – it’s your money after all! 

Below are some of the most common car dealership tricks to be aware of. If you notice someone trying to pull these tactics on you, you’ll probably want to shop elsewhere. Cars are an investment, and you deserve to make a decision that you’re fully comfortable with. 

1. Bait-and-Switch Trap 

The bait-and-switch trap is one of the oldest in the books. The dealer promotes a great price on a vehicle and features it in an ad to bring in more traffic. When you arrive, however, you’re notified that the vehicle is no longer available. Instead, there’s a different car waiting for you – and it’s priced higher. 

2. Fine Print Details 

Always, always read the fine print. Car ads come with small print that the dealers hope you miss – and many people do. That’s because hidden within the print are disclaimers, stipulations and conditions that will make it nearly impossible for you to get the price that’s featured in the ad. For example, the dealer may require you to have near-perfect credit to get a particular financing offer. 

3. Monthly Payments 

Another common tactic is for a car salesperson to ask you how much you want to spend each month. This question seems innocent enough – your budget makes a difference after all. However, if you say your budget is $400 a month, the dealer can sell you any car and string the payments into a longer loan. 

4. Payment Method 

Car dealers may also ask how you will be paying for the car. Keep quiet, as how you pay makes a difference. For example, if you’re paying with cash or third-party financing, the dealership is likely to bump up the price since they won’t be making money off your loan. If you choose to use their financing department, you can expect to pay more. 

5. Marking Up Interest Rate 

Dealers may also offer sweet deals on the front end and then make up for them by increasing interest rates. They’re able to do this because dealers partner with different financing companies that offer indirect loans. In exchange for the loan, many of the partner banks let dealers mark up the interest rate and keep the difference. So, if a lender approves you for a loan with 6% interest, they might tell you the interest rate is 8% and then keep the 2%. 

When you need a car, your options of where to shop may be limited. If you do choose a dealer, make sure that you don’t fall for any of these sneaky dealership tricks. You can also shop with RepoFinder – we have a huge database of repossessed vehicles for sale. Take your time reading through each listing, ask questions and make an offer. No pushy salespeople involved! 

 

saving for car

What are the Fastest Ways to Save for a Car?

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If you’re in the market for a new car, SUV or pickup truck, you’re probably aware that you need to gear up for high prices, sparse inventory and few incentives. It may not be the best time to shop for a new vehicle, but you might not be able to wait any longer. 

Fortunately, things are getting better, and car prices are no longer increasing. But you can still expect to pay significantly more for a car today than a year or two ago. Below are some tips from the experts on how to save for a car – and fast! 

Pick the Car You Want First 

Decide on the vehicle you want to buy before you start saving. You may have a few different models picked out, and that’s okay. By having some vehicles in mind, you can look up their prices and know how much you have to save. Don’t forget to add in extra for fees, sales tax and insurance payments. 

Decide How You’re Going to Pay for the Car 

Once you have a car in mind, you can decide how you’re going to pay for it. Creating a timeline can be helpful, as you’ll be able to find a balance between the monthly payments you can afford and a down payment you can save for. There are a number of free online payment calculators you can use to crunch these numbers. 

Set Up a Separate Savings Account

As you begin to save for your new car, keep your “car cash” separate. You don’t want to end up using your savings for other things like groceries, gas or a night out. Having a separate account allows you to see how much you have saved for your car and where you are in relation to your goal. To make things even easier, set up automatic transfers from your checking account. 

Not sure how much you should be putting away each month? Anything helps, but experts recommend pretending like you already have the car payment. What you would be paying in a car payment can go directly into the savings account.

Sell Your Car Right Now 

Normally, you would trade in your old car when you buy a new car. But these are different times, so it might be worth it to trade in your old car right now. In the meantime, you can drive a different car you own, car pool with neighbors or use public transportation. The purpose of this is to get the best price for your trade-in right now.

Save Money. Shop with RepoFinder. 

When you’re ready to buy your new car, be sure to consider all of your options. RepoFinder has a huge inventory of repossessed vehicles, and they are available to the general public. You do not need a dealer’s license. You can take advantage of low prices, an expansive inventory and quick sales. Check out our used vehicles today!

affordable red car

Best Affordable Used Cars You Can Buy Today

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Looking for a new car that’s affordable, too? While this isn’t the best time to be shopping for new and used vehicles, you might not have a choice. You depend on your car to get you to and from places, and you need something reliable. 

Fortunately, there are some budget-friendly cars that you can look into. These cars offer a great value for the money. To save even more, look for these models on RepoFinder.com. We have a huge database of used vehicles that is updated regularly! 

In the meantime, here are the best economical cars on the market today!

Hyundai Elantra 

The Hyundai Elantra is a great compact car that’s comfortable and enjoyable to drive. It’s also hip and stylish, and includes plenty of tech-savvy upgrades. A well-maintained Elantra should last over 150,000 miles, and may even get to 250,000 miles without any major repairs. For the average driver, that’s a lifespan of 10-15 years. The average price for used Hyundai Elantras are between $15,000 and $20,000. 

Toyota Camry 

The Toyota Camry is another great car that provides a smooth, enjoyable ride. Not to mention, Toyota earns the top spot as the best automaker for dependability. The Camry, in particular, is known as a reliable, affordable vehicle that accommodates families of all sizes. It looks compact, but it’s rather spacious on the inside. Average prices for a used Camry are under $30,000. 

Dodge Charger 

The Dodge Charger is a large and comfortable sedan. It has a powerful engine, roomy and comfortable seating and a spacious trunk. It’s a great pick for families that prefer a car over an SUV or truck. But, as you may know, the Charger is a muscle car that has a lot of speed, so it’s typically not the best choice for a new driver. While there are some more expensive models, you can get an older Charger for under $30,000 – and some even under $20,000!

Honda Accord 

The Honda Accord is a midsize sedan that’s rated one of the most reliable of its kind. In fact, some people prefer the Accord over the Camry because it has higher torque and more passenger and cargo space. It has been one of the best-selling family-sized vehicles for over 15 years. You can usually pick up a used Accord for $20,000 to $27,000. And keep in mind, you’re getting plenty of luxury features included in this price! 

Subaru Outback 

Subaru has made a few adjustments to the Outback, making it a smart alternative to an SUV. While smaller than a typical SUV, this crossover can haul large items and has convenient features like blind spot monitoring and driver assistance systems. It also has a price that’s more in line with sedans instead of SUVs, with used models starting around $18,000.  

These are some of the best affordable cars you can buy today. They have high safety ratings, the latest technology and comfortable interiors that the whole family will enjoy. To shop for affordable vehicles, visit RepoFinder today. 

sedan car

Buy a Car You Can Afford with These Tips

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Like most everything else these days, car prices have skyrocketed. Cars have always been expensive, but the pandemic has had a tremendous impact. First, car prices rose due to high demand and low inventory. We’re hoping that prices will drop as supply chain issues are fixed and there’s a better balance between supply and demand. 

However, now we’re dealing with a new problem: rising inflation. Inflation is driving up car prices, just as it is fuel, groceries and utilities. In 2021, inflation rose to 7 percent, the biggest increase in nearly 40 years. Used car and truck prices shot up 37 percent last year, with the average used vehicle costing $29,000. 

If you need a new vehicle, you might be stressing about how you can afford it. Below are three tips that will help you afford a vehicle of your choice! 

Set a Monthly Number 

The first step when buying any car is to set a monthly budget for what you can afford. Don’t forget your car insurance payments, too. Experts recommend spending no more than 15 percent of your monthly take-home pay on a vehicle. Depending on your budget, you may have to stick closer to 10 percent. 

Based on these numbers, if you were to bring home $3,000 a month, your car payments should be around $300 to $450 a month. This is actually a good number to work with, providing that you’re interested in buying a sedan or coupe. If you’re looking for an SUV or truck, it might be more of a stretch. 

Calculate Your Monthly Payment 

Once you know how much you can spend, you can start shopping around for vehicles in your price range. New car ads and review sites generally list out the MSRP (manufacturer’s suggested retail price), but you can use a calculator to determine what your monthly payments will look like. 

To get an accurate picture of what you’ll be paying, be sure to enter in your down payment and interest rate on the site’s calculator. Your interest rate depends on your credit score. Average interest rates with good credit (661-780) are 3.56 percent for new cars and 5.58 percent for used cars at the time of this writing. 

Shop for Repossessed Cars 

With the market being as competitive as it is, it’s helpful to shop for cars in different ways. For example, some people are shopping online and having their vehicles delivered to them. Others are attending auctions in their area. Another option you may not have yet considered is repossessed vehicles. 

Repo vehicles are those that were taken away from their previous owners because they defaulted on their loans. These cars are often newer and in good condition – their owners just could no longer afford them. Many repossessed cars are sold in auctions, but RepoFinder sells them to the general public. 

You can save up to 30-40 percent on a repossessed vehicle. And, because RepoFinder features vehicles being sold by banks and credit unions, you can often work out an even better deal by securing financing through them! To learn more about purchasing a repo car in your area, shop with RepoFinder today! 

save money used car

How to Save Up to 40 Percent on a Used Car

With new cars topping $47,000, it’s understandable why you’re shopping for used vehicles at discount rates. But even used cars are expensive these days! A used sedan might only cost around $20,000 to $25,000, but a used SUV or pickup truck costs an average of $37,000! 

If these prices are still out of your budget, rest assured that there are additional ways to save money on a used vehicle.

Consider Repossessed Cars 

The first piece of advice is to open your search to repossessed vehicles. Repo vehicles are cars that have been taken from their owners because they couldn’t afford to make the payments. They are now in possession of the lender (i.e., bank or credit union) and ready to be sold.

Banks and credit unions are highly motivated sellers because they don’t have the space or capacity to store and sell cars. Browse RepoFinder’s database – it has hundreds of repo cars, trucks, sedans, etc. that you can place a bid on today! On average, repo cars are between 25 and 40 percent cheaper than new cars. 

Shop for Vehicles Online 

Another way to save money is by shopping online. You can see what’s available at local dealerships, saving time and hassle from driving from one dealership to the next. You can also expand your search by looking at cars in other locations, such as the next closest state or city. 

The nice thing about shopping online is that you can take your time and make a good decision without pressure from a car salesperson. This could end up saving you hundreds or thousands of dollars, as it’s easier to spend more when you’re in a high-pressure environment. 

Get the Right Financing 

When you buy a car through a dealer, you’re more likely to use their financing department. While there is nothing wrong with this – it’s quick and convenient – you probably aren’t getting the best deal. 

When you shop for cars on your own, you have the option to check interest rates through multiple lenders. You can then get a pre-approval from the lender with the best rates. Most lenders allow you to complete the application process online, so there’s not much you have to do but fill out some paperwork. 

Keep Your Loan Short 

Even though your payments will be smaller if you stretch out your loan to 72 or 84 months, you’ll end up paying more for your vehicle over time. And, if your car is getting older and experiencing problems after four years, you’ll still be locked in.

If you can swing it, keep your loan short. This way, you’ll be able to pay off your loan faster, and you won’t find yourself underwater if something happens to your car. 

Make a Down Payment 

If you sold your previous car to a private buyer, you can use this money for a down payment. A sizable down payment shortens your loan, and it can help you lock in lower interest rates. This happens because a down payment lowers your loan-to-value (LTV) ratio on your financing, making you more attractive to lenders. 

If you don’t have a sizable down payment, look for specialized online lenders that offer low-rate auto loans without down payment requirements. Credit unions may also be willing to work with you. 

These are some of the best ways to save up to 40 percent on a used car. Keep in mind that there are many ways to save – it’s not just the purchase price that makes a difference. For savings of up to 40 percent, shop with RepoFinder.com

loan for repo car

Can I Get a Loan for a Repossessed Car?

This entry was posted in Repo Cars and tagged , , on by .

If you’re shopping around for a bank-owned vehicle, you’ll be glad to know that there’s a wide selection to choose from – and all at great prices. But one question that many car buyers have regarding repossessed vehicles is what type of financing options are available. 

When you purchase a vehicle from a dealership, you have the option to use their financing department. It’s quick and easy, especially if you’re trading in a vehicle at the same time. But when shopping for a repo car online, you don’t have these same options. So what can you do? 

Fortunately, financing for repossessed cars works in the same way as it does for any other car purchase. While there might not be a dedicated financing department on hand, you can still finance your purchase. The difference is that you’ll have to do the legwork beforehand, such as by filling out applications and getting pre-approved. 

Let’s cover the different financing options you have when buying a bank-owned vehicle. 

Banks 

RepoFinder offers a huge database of repossessed vehicles from different banks. Banks are highly motivated sellers that are often willing to negotiate. And, the benefit in buying from them directly is that they can provide you with financing as well. 

You can also obtain financing through a bank before buying a car. All you need is a pre-approval, and you can present this to the seller when you’re ready to purchase the vehicle. Your loan will be finalized when you purchase the car. 

Credit Unions

Credit unions work similarly to banks, though there are a few differences. To apply for a loan through a credit union, you typically need to be a member, which involves opening an account and making a deposit.

The benefit to credit unions is that they are more lenient than banks. If you have poor credit or a limited history, they’ll be more understanding. At the same time, they are not as convenient as banks. You may have to make your payments through mail instead of online, for example. 

Online Lenders 

Another option that car buyers have is to obtain financing through an online lender. Since most people shop for repo cars online, you may find it easiest to access financing this way. Online lenders are fast, convenient and often have lower rates. But you’ll still want to do your research and compare rates. 

The only thing to watch for with online lenders is that they don’t always have the best customer service. They’re designed to be quick, streamlined and convenient, so customer service is generally online and not through a real person. 

The most important thing to know is that you can get an attractive, flexible loan with great terms when buying a repossessed car. To shop for bank-owned vehicles in one central location, browse through the RepoFinder database today.