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The Savings and Benefits of Buying Used Wheels

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Ever wonder why the used-car industry is such a big hit? The price tag attached to a used vehicle is usually several thousand dollars less than for a new car. If you buy a new car, it typically depreciates about 20% in value the minute you drive it off the lot.

Start looking for the right used car by doing some research. Check out websites such as, Kelley Blue Book (, and NADA (National Automobile Dealers Association) Appraisal Guides ( These sites help you find exactly what you are looking for, including safety rating, vehicle condition, fair price for the vehicle and a vehicle history report.

When you’re selecting a used vehicle, keep in mind that insurance companies base insurance premiums on your age, year of the car, make, and how likely you are to get in an accident. In general, the cost of insurance on a used car is lower because the comprehensive and collision costs are usually lower.

Many dealerships offer certification programs that can protect you if any mechanical problems arise after you purchase your vehicle. Financial institutions also offer similar programs when you finance their vehicle with them. For example, Fitzsimons Credit union offers mechanical protection breakdown to members who finance their car at Fitzsimons. Be sure to read the fine print of the certification to see what the program covers and if it’s worth it for you to purchase.

Buying a certified used car can add on a significant chunk of money to the price tag but can be money well spent. On the other hand, if you plan to buy a noncertified used car, make sure to have a qualified mechanic inspect it first and to do a good test-drive of the car to catch any issues that could be costly.

To find the best deal on financing your used vehicle, make Fitzsimons Credit Union your first stop. Call us at (303) 226-8509 to speak to a Financial Consultant or apply online to get started. Our Financial Consultants will help you get pre-approved for an auto loan with us, which will help you budget, get the best interest rate, and simplify your car buying experience.

In the market for a pre-owned car? Fitzsimons Credit Union is hosting a 2-Day Pre-Owned Car Sale event on June 23rd and June 24th at the Southlands Shopping Center. Over 200 pre-owned vehicles will be available. There will be on the spot financing with rates as low as 3.14% APR* Plus, all those who purchase and finances a vehicle with us at the event will receive 90 days of no payments. Click here for more information and to save the date for this limited event.

*Promotion Expires 06/24/2017. Annual Percentage Rate (APR). Not valid for existing auto loans at Fitzsimons Credit Union. During the 90-day deferred payment period, interest still accrues for the first 90 days. Rates as low as 3.14% APR on new autos and 3.14% APR on used autos. Rates are based on various factors including the term, applicant’s credit rating and age of vehicle. This offer is subject to income verification and value/type of vehicle. Rates are subject to change. Repayment Terms Example: 60 monthly payments of $19.53 per $1,000 borrowed based on a 5.99% rate; other terms may be available. Minimum amount financed is $2,500. Minimum amount financed to receive incentive is $7,500. Federally insured by NCUA.

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