When it’s time for a new or pre-owned car, we can get you the right car at the right price. How? Well, for starters, our interest rates are lower than most banks, savings and loans, and finance companies (thanks to our not-for-profit status). Plus, our simple interest method means that interest is accrued on unpaid balances, rather than on original loan amounts (trust us, that’s a good thing). We even offer variable-rate loans with consistent monthly payments and the added bonus that if rates go down, you can pay off your loan faster—without refinancing. When you cut to the chase, this means a lower monthly payment for the car you want. And if you can’t come up with a down payment, don’t worry. We can shift gears to get you 100% financing on a new car. Or at least Kelley Retail Blue Book value on a used car, including tax, license, and warranty.