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When you're in the market for a new car, there are five important words to live by: See your credit union first!

Why? Because whether you're in the market for a new car, a used car, or if you're selling a car, we can help you get more for your money!  Our goal is to help you get the best deal possible!

Auto Loans and Car Financing at TopMark

Whether you're looking for a new or used vehicle, TopMark makes the process easy so you get the financing you need for your dream car or truck.

You'll get pre-approved for your loan amount, which gives you a much better car or truck shopping experience—putting you in control knowing what you can spend and you'll be able to better negotiate your purchase price.

You can rest assured that we'll be here with your financing ready so your purchase is a smooth, stress-free process. At TopMark, we are here to enable your dream vehicle and get you the best car loan rate.

 

  • Easy point-of-sale financing at participating dealers
  • Quick, paperless online application available - bring the purchase agreement into any branch to finalize your loan
  • 90-day approval lock for easy, confident shopping
  • Financing up to 100% of MSRP for new and used cars
  • Competitive fixed rates
  • Terms up to 7 years on new and used vehicles to keep monthly payments low
  • Convenient payment options; automatic deduction, transfer via phone, ATM, or Internet Banking; or by check or cash in person or through the mail

 
Refinancing from another lender
Refinancing your loan from another lender could save you hundreds of dollars in interest or lower your monthly payments. Talk to us to compare financing. Stop by any branch or call one of our loan officers.

Get Pre-Approved

Pre-approval might seem like an extra step in the car buying process, but there are good reasons to take a little extra time to get a pre-approved car loan:

It encourages you to stick to a budget: A pre-approval notice will let you know exactly how much you can spend.

It simplifies negotiation: Once you're pre-approved, you can shop for the car as if you had a check in your pocket. This helps you keep focused on the actual selling price of the car, rather than keeping track of the interest rate, down payment, loan term and trade-in. When asking for the price on the car, you can simply ask, "What's the 'out-the door' price on this car?"

It reduces the risk of spot delivery complications: "Yo-yo financing" occurs when a dealer allows a consumer with shaky credit to take possession of a vehicle without the financing being fully sorted out. A few days later, the buyer gets a call from the dealer saying that the loan was not approved and that he has to bring back the car to either
re-apply for a loan (usually with higher rates), or worse, come up with a larger down payment. Buyers can avoid situations like this if they have been pre-approved for a loan

It saves time and hassle: Car buyers dread the finance and insurance (F&I) office because of the time it takes and the sales pitches the F&I manager makes. Some of the delay is unavoidable. There is a lot of paperwork involved in the purchase of a vehicle. But if you have been pre-approved, the time — theoretically — should be cut in half.
Let the Finance Manager know that you've been approved for a certain amount and you don't want to spend any more.

TopMark can discuss loan options to help you set a realistic price range that fits your means and budget.

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