0% Auto Financing…
Know the Truth*!
1) A perfect credit rating is usually needed to qualify
for 0% interest on car loans. Only a handful of all car buyers
ever qualify for 0% financing offers.
By financing with
your Credit Union, if you cannot qualify for our lowest rate
financing our other rates are still much lower than the car
0% financing usually means the terms of the loan
are shorter and the monthly payment is larger.
(Borrowing $30,000.00 with 0% for 36 months would result into
an approximately $835.00 monthly payment)
We offer our as low as rate for up to 72 months on New
Vehicles and up to 60 months on Pre-Owned Vehicles.
0% financing is usually only offered on select
models and this will limit the type of vehicle you can choose.
Let your Vehicle choice be endless! We offer our as low
as financing on all New and Pre-Owned Vehicles.
4) Usually to receive the 0% financing you will have to
forfeit a manufacturer’s rebate. (Which could potentially
save you hundreds to thousands of dollars)
Manufacturer’s rebates offered by the Dealership or
Manufacture by using us!
5) Car Dealerships are known for usually increasing the
overall price of the vehicle to make up for the lost finance
You have the added
option of stepping away from the dealer by purchasing a
Vehicle Privately. We lend up to 100% NADA Value on Pre-Owned
financing. This protects you, our Member, from potentially
over-paying for a vehicle.
6) Car Salesman’s main concern is selling cars; they do
not care about you once you leave the Dealership.
We have many
products designed for you. Let us safeguard your “New Car”
with Guaranteed Asset Protection (GAP) and Warranty Choices.
We offer you the option to protect you and your family with
Disability & Life Insurance for your loan payments. Need an
insurance quote? Try Tru-Stage, an insurance company designed
for Credit Unions Members!
NY TEAM Federal Credit Union knows who you are and allows
you to finance with a Company you Know & Trust. Financing with
your Dealership could result in financing with a company no
one’s ever heard of.
No Hidden Terms, No Pre-Payment Penalties, No
Hidden Fees & No Hassle
Apply Today and Receive
your Instant Decision! Let the Car Shopping Process begin!
are potential risks and are stated as usually, as we cannot
state facts, as each sale has different terms and regulations.
Just buyers beware for Educational purposes.
*APR = Annual
Percentage Rate. Rates and terms are accurate as of 4/1/14 and
are subject to change without notice. Rates available for
loans with our Platinum Relationship Banking Discount. The
above loan requests are subject to credit approval. Loan rates
without our Platinum Relationship Discount Applicants who are
not approved at these rates or terms may be offered credit at
a higher rate and/or different term. Discounts are not offered
on sale loans. Please see an NY TEAM FCU representative for
additional information, applicable fees and terms. Membership
in NY TEAM FCU requires a Share Savings account with a
$25 minimum balance. To be eligible for membership you must
belong to one of our charters or be an immediate family
member. Auto Loan Lowest Rate reflects discounts for .10% off
for Trustage Insurance, .10% off for GAP and .10% off for our