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Many people think of talking with your bank as the final step in the car-buying process, but as our Fargo retail banking manager, Jody Saum, tells us, there are 4 big advantages to meeting with your banker first.
We’ll look at your income and expenses to help you figure out a loan payment that fits into your monthly budget. Your monthly payment and the amount you’re able to put down when you buy the vehicle will help determine how much vehicle you can afford.
Once you’ve researched the type of vehicle you want to purchase and you have an idea of the model and options you want, consider the value of various options in new and used cars. Your banker can help evaluate the values of the cars you’re considering. Keep in mind that newer cars often come with longer repayment terms, which could lower your monthly payments.
If you have a vehicle to trade in, it helps to know what it’s worth. We can give you an approximate trade-in value for your vehicle.
Getting pre-approved for a car loan can simplify the buying process. Pre-approval includes completing an application and a review of your credit. Once you’re approved, you can shop with confidence, knowing what you can afford and that you’ve already qualified for a loan.
We can also tell you about specials you might be able to take advantage of – like our popular 1 percent cash back offer. Apply by Sept. 30 to get 1 percent cash back – up to $500 – on vehicle and recreational vehicle purchase loans with low, competitive rates, no processing fees and flexible terms.