Every Harbor Credit car loan application is approved on an individual basis. That means each customer, whether they have good credit, bad credit, or something in between, will be contacted by a lending institution to discuss their car loan. If there is a lender in our coverage area that can help, we promise they'll contact you to discuss the details of your application. To help speed the process, we recommend keeping an up-to-date credit report on hand, along with information regarding the new car you are interested in.
Apply today to get a free car loan quote
Research car prices
While searching for a new car, determine what average prices are, so you can
recognize the difference between a good and not-so-good offer. With your own
comprehensive research, you’ll end up paying a price closer to invoice, rather
than MSRP.
Get price quotes
Choose a limited number of cars (possibly three) you are seriously interested
in and get free price quotes from local dealers. This process will include
“building” your car – choosing year, make, model, trim, exterior color, interior
color, etc. – and determining your method of payment as well as the trade in
value of your current car. You’ll be asked to supply your personal information –
first, last name, phone number, etc. – along with the ideal time for a
dealer/sales manager to contact you. This usually occurs within 24 hours and he
or she will ask you to provide a few more details on the car you “built.” During
this phone call, be sure to request prices with all applicable taxes and charges
included, commonly referred to as the “out-the-door price.”
Negotiating your new car purchase
With the lowest quote in hand, contact your preferred dealers and see if
they'll match or beat it. (Dealers tend to compete with each other because they
want your business.) Consider negotiating online as this pseudo-dialogue can
provide you with hassle-free process. It is much easier to stop an email string
than it is to walk out of a dealership with a salesperson shouting “bigger and
better deals” at you, hoping you’ll sit back down. Either way, once you find an
ideal price and have read through all the fine print (and most of all, are
comfortable with the deal), purchase that car!
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