Finance with an institution you own!!
Finance with Cintel FCU!!
Before you sign on to a factory sponsored low rate financing deal, be sure to do your homework. In many cases you'll save a good deal of money by taking the dealer rebate instead of the lower interest rate and financing the loan with your credit union.To find out what dealer incentives are currently offered on the car you are looking at click here. Then go to our calculator to see which is the better deal for you.
Here are several examples based on actual incentives running in the Summer of 2006.
| 2006 Dodge Grand Caravan | Dealer | Cintel FCU |
| Est .Vehicle Purchase Price.......... | $23,000 | 23,000 |
| Dealer Cash Rebate offer.............. | $0 | 2,500 |
| Amount Financed............................ | 23,000 | 20,500 |
| Interest Rate .................................... | 4.900% | 6.24% |
| Term of Loan .................................. | 60 months | 60 months |
| Monthly payment ........................ |
$ 433.04
|
398.67
|
Total Cintel Savings over loan term... $2,061.78
| 2006 Subaru Forester | Dealer | Cintel FCU |
| Est .Vehicle Purchase Price.......... | $21,000 | $21,000 |
| Dealer Cash Rebate offer.............. | $0 | $ 2,000 |
| Amount Financed............................ | $21,000 | $19,000 |
| Interest Rate ................................... | 4.90% APR | 6.249% APR |
| Term of Loan .................................. | 60 months | 60 months |
| Monthly payment ........................ |
$395.38
|
$369.50
|
Total Cintel Savings over loan term... $1,552.75
| 2006 Jeep Grand Charokee | Dealer | Cintel FCU |
| Est .Vehicle Purchase Price.......... | $32,000 | $32,000 |
| Dealer Cash Rebate offer.............. | $0 | $ 2,000 |
| Amount Financed............................ | $32,000 | $30,000 |
| Interest Rate .................................... | 4.90% APR | 6.24% APR |
| Term of Loan ................................... | 60 months | 60 months |
| Monthly payment ......................... |
602.48 |
583.42 |
Total Cintel Savings over loan term... $1,143.79
These are a few examples. Calculate your own savings using the link to the incentives site above or call our office and speak to one of our loan officers.
And remember, your Cintel loan provides the extras not typically found at other financing centers, such as: