Loan Resources
Buying a vehicle is a major decision in your life
To help make the car buying process easier for our members, Enterprise has put together a list of things to keep in mind when car shopping…
Double check the value!
Don’t over pay for your vehicle! Verify the value here….NADA
Trading your car in? Get an idea of the trade in value before going to the dealership.
How do I know if the vehicle I’m interested in is a dependable?
Verify the warranty cost!
A vehicle warranty through Enterprise protects you against major mechanical expenses.
What would my payment be?
Check the Vehicle’s History
Another way to verify you are getting a dependable vehicle is to check its maintenance and accident history through Carfax. Contact a loan officer for a great price on a Carfax report.
Other things to keep in mind when shopping for a vehicle.
Enterprise can handle all the required steps of a private party purchase. Finance through Enterprise and avoid the DMV
Credit bureau links
Get a free copy of all 3 credit bureaus every 12 months.
https://www.annualcreditreport.com/index.action
When requesting a copy of all 3 credit bureaus from annual credit report, make sure to contest or dispute any inaccurate information. You’re able to dispute any mistakes directly from the website, or by calling Trans Union Credit dispute Customer Service at 800-916-8800.
If you have been a victim of identity theft or fraud you may want to consider putting a freeze on your credit bureau. You can find more information on how to freeze your credit at
https://www.transunion.com/credit-freeze
Learn about your credit score and what effects your rating at Credit Score
| Credit Union | Bank |
|---|---|
| Not for profit who offer a full range of financial products and services. | For-profit corporations. |
| Earnings are returned to members through services like free ATMs, better rates and lower fees. | Earnings go to outside bond and stockholders in the form of dividends. |
| Insured by NCUA up to $250,000. | Insured by FDIC up to $250,000. |
| Credit unions are democratically governed and elections are based on a one-member, one-vote philosophy. | Banks are governed by paid shareholders. Voting rights depend on the number of shares owned. |
| More than 30,000 surcharge-free ATMs. | Banks require customers to use their branded ATMs and branches for services or pay fees. Some services are unavailable outside the bank. |
| Credit unions are local, community based financial institutions. Members support their local communities when they bank at a credit union. | Banks are big! The average size of a bank is double that of a credit union. |
| Credit unions have members, not shareholders. | Banks have customers and shareholders. They must make money from their customers to please shareholders. |
What would my payment be?