P: 517.647.7547, Monday - Thursday 9:00 am - 5:00 pmFriday 9:00 am - 5:00 pmSaturday - closed, A: 320 E Vermontville Hwy, Potterville, MI 48876, A: 78 S. Main St. Rockford, MI 49341 Sign in as a Registered User. WebAuto loan preferred interest rate discount of 0.25% to 0.50% is based on reward tier and valid only for enrolled Preferred Rewards members at the time of auto loan application who obtain a Bank of America auto purchase or refinance loan. Drivers who are ready to invest in their next vehicle can head to NJ State Auto Auction as they search for the right ride. We're sorry we weren't able to send you the download link. Were your partner who keeps you compliant while also increasing customer satisfaction. Regular auto insurance will only cover what the vehicle is worth at the time of the loss. Contact us today to find out more. If they do accept the loan offer, a hard credit inquiry is done. This information is used to retrieve usernames and passwords. While pre-qualification is useful for shopping loan rates or speeding up the process at a dealership, it is not a guarantee of loan approval. P: 989.856.2225, Monday - Friday 9:00 am - 5:00 pmSaturday 9:00 am - 12:00 pm, A: 6241 Main St. Cass City, MI 48726 These same protections arent in place when a car is purchased from an individual. Dealers may also provide offers from other lenders at this point, and car buyers are free to go with the best loan available. The used cars they sell have typically passed an inspection and come with some type of warranty. Payments made before 10:00 pm (ET) Monday-Saturday are processed the same day, excluding Federal holidays. For payments made through the automated phone service, a confirmation number will be provided. Enter the payment amount, frequency of payment, payment method, end date and account nickname (to identify this payment or the payment source). Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. P: 616.458.7045, A: 3090 Plainfield NE Grand Rapids, MI 49505 Indirect Lending: A Guide for Independent Auto Dealers. Shannon Bradley covers auto loans for NerdWallet. Borrowers can change their payment due date by as many as 15 calendar days through their online account. Eligibility by Company You Work for or Retired From, 3. P: 616.363.1207, Monday - Thursday 9:00 am - 5:00 pmFriday 9:00 am - 5:00 pmSaturday Closed, A: 77 Monroe Center NW Grand Rapids, MI 49503 Read more. Whether applying for a purchase or refinance loan, applicants can pre-qualify with a soft credit check, which wont affect their credit score. $4,000 for purchase loan; $7,500 for refinancing. From the Wallet tab, you can view, add, edit, or delete any stored payment accounts. Yes. Does not finance purchase loans for certain vehicle makes including Oldsmobile, Daewoo, Saab, Suzuki or Isuzu vehicles. Auto refinancing loans: Call 1-833-292-8336, Monday to Friday 9 a.m.-9 p.m. Is the price of a vehicle for sale on Capital One Auto Navigator negotiable? Your password must meet the following requirements: Minimum of eight (8) characters Must contain one (1) character of at least three (3) of the following categories: o Uppercase letters o Lowercase letters o Numbers o Special punctuation/characters ( @ , # , $ , ^ , ( , ) , + , { , } , [ , ] , \ ) Cannot contain the username. P: 989.673.5656, Monday - Thursday 8:30 am - 5:00 pmFriday 8:30 am - 6:00 pmSaturday 9:00 am - 12:00 pm, A: 323 W. Main St. Carson City, MI 48811 That's because you can search the internet and find the manufacturer's suggested retail price, similar prices being paid in your area, the worth of your trade-in and your interest rate qualification. Rates effective as of March 6, 2023. You could also pay from your own savings with cash, a cashiers check or money order. Doesnt provide a Spanish version of website. To apply for an auto loan, you will need the following information: To finalize and fund your auto loan, you will need to do the following: The timeline for application and funding can vary, depending on how quickly the required documentation is provided. You can avoid dealer add-ons and fees. Best for applicants wanting to see if they could benefit from auto loan refinancing without affecting their credit score. All rates subject to change. Some lenders that advertise private-party auto loans, like LightStream, are actually promoting unsecured, personal loans. Borrowers can choose loan payment due date. Challenge question answers are case sensitive, range between 6 and 26 characters, and contain no spaces. Running a successful used car dealership has changed a lot over the years. P: 989.893.4563, Monday - Thursday 9:00 am - 4:30 pmFriday 9:00 am - 5:00 pmSaturday - closedSunday - closed, Monday - Thursday 9:00 am - 5:00 pmFriday 9:00 am - 6:00 pmSaturday 9:00 am - 12:00 pmSunday - closed, A: 32900 Middlebelt Road Farmington Hills, MI 48334 WebBenefits. Bank of America, N.A. It's your car dealer's job to make a return oninvestment for the dealership. These fees are not set or controlled by Capital One. - Helps relieve the financial stress and worry related to making loan payments when your life takes an unexpected turn. Thats because a lender takes on greater risk when making a private-party auto loan, so the higher rate is to compensate for that risk. Effective 9.15.21, the $7 fee for same-day expedited payments will be reinstated. The LTV threshold is based on a number of factors, including creditworthiness, vehicle age, mileage and term of the loan. Text messages may be transmitted automatically. Borrowers with bad or fair credit wont qualify for the lowest interest rates. These dealerships can submit an application to DCU or other lenders on your behalf and get the required paperwork for funding to DCU. Other vehicle restrictions: New and used vehicles must be purchased at a dealership that has a lending partership with Capital One. Borrowers can also take advantage of educational resources found in an online auto learning center. But private-party auto loans usually have a higher rate when compared with other used auto purchase loans. DCU offers members GAP Advantage insurance through Allied Solutions. P: 231.796.5865, Monday - Thursday 9:00 am - 4:00 pmFriday 9:00 am - 5:00 pmSaturday - closed, A: 8700 N. Second St, Brighton, MI 48116 Sure, getting a second opinion before you purchase a new vehicle is always nice, especially if it's a good one. Best for applicants wanting to be matched and work directly with potential lenders that may best meet their needs. P: 231.937.4374, Monday - Thursday 9:00 am - 4:00 pm Friday 9:00 am - 5:00 pmSaturday - closed, Monday - Friday 9:00 am - 5:00 pmSaturday 9:00 am - 12:00 pm, A: 450 S. Dexter St. Ionia, MI 48846 Dealerships operate under state and local laws that protect consumers. P: 616.447.0900, Monday - Thursday 9:00 am - 4:30 pmFriday 9:00 am - 5:00 pmSaturday - closed, A: 4525 Lake Michigan Dr. Walker, MI 49534 At DCU, qualified borrowers could finance up to 130% of the purchase price or book value, whichever is lower. Car buyers request pre-qualified offers for the specific vehicles they are interested in and can try different payment scenarios by adjusting factors like down payment amount or term length. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. The difference between title and registration. What kind of loan payments can I make using Express Loan Pay? Disclaimer: NerdWallet strives to keep its information accurate and up to date. Availability: New and used purchase loans: Call 1-800-689-1789, Monday to Friday 9 a.m.-9 p.m., Saturday 10 a.m.-7 p.m. Our opinions are our own. By partnering with quality dealers, and financing with Independent; you can shop for your next car, truck, or van with confidence. Pre-qualifying lets you see the loan rates, term and monthly payment you might qualify for. Customer service not available on weekends. One year later, if all payments were made on time, the borrower will have paid the loan down to a balance of $17,963. On Balances Up to and Including $100,000. Also, pre-qualified loan offers can change after a hard credit inquiry. When you buy from a private seller, your lender may assist with paying off a previous loan, but it is still your responsibility to ensure this is done. Dedicated phone numbers are provided for auto loan applicants to call for assistance. The problem is that many of them dont understand the unique challenges faced by independent dealers. If you opt out, though, you may still receive generic advertising. What is the Password criteria for a Registered User? If they do accept the loan offer, a. The results provided by this calculator are also intended for illustrative purposes only and accuracy is not guaranteed. Does Independent Bank offer a telephone payment option? You simply cant lose with talented F&I individuals to back you up and a full spectrum of national lenders at your fingertips. What is a Registered User and what are the benefits? Being able to offer your customers in house dealership financing is one of the easiest ways to boost your dealerships bottom line, improve customer satisfaction, and simply stay on par with your competitors. On one hand, you could have a lot full of people who believed the same fable that you did. Call us today at 765-649-9271, shoot us an email at independent@independentfcu.org. However, you will be asked to provide an estimate of your loan amount (purchase price lessany down payment or trade-in value). Independent Financing is your key to Independent ownership. "As this list indicates, these are generally sensible consumers owning practical vehicles and making prudent choices to help them weather and survive an economy that has challenged so many," said Jim Landy, CEO of CarFinance. What information needs to be on the title? Beginning at approximately 8:00 am (ET) on April 24, 2021, you may call the Banks toll free Interactive Voice Response (IVR) number at 800.355.0641 to make a payment. P: 989.883.3310, Monday - Thursday 9:00 am - 4:30 pm Friday 9:00 am - 5:00 pmSaturday - closed, A: 49785 Van Dyke Ave. Shelby Township, MI 48317 One of the biggest changes has been how important it is to offer financing. Any business or other legal entity located in one of these areas is also automatically eligible to join. All personal and payment information must be entered each time a payment is made. You can store an unlimited number of payment accounts in your wallet. This is because far too many of these dealers partner with companies that have little interest in helping their dealer clients see greater returns. Loan amount $5,000-$100,000 Min. You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. New or used, Independent will help you get in the drivers seat fast. P: 989.684.6021, Monday - Thursday 9:00 am - 4:30 pmFriday 9:00 am - 5:00 pmSaturday 9:00 am - 12:00 pmSunday - closed, Monday - Thursday 9:00 am - 5:00 pmFriday 9:00 am - 6:00 pmSaturday 9:00 am - 12:00 pmSunday - closed, A: 623 Washington Ave. Bay City, MI 48708 These dealerships can submit an application to DCU or other lenders on your behalf and get the required paperwork for funding to DCU. If you're not currently enrolled in Online Banking, visit a financial center or click to schedule an appointment to apply for your loan. Auto loan refinancing is 100% online, including document upload. In addition to auto loans, Capital One offers a wide range of banking products, including credit cards, banking accounts and investing products. If approved, your loan offer will be good for up to the statedamount pending verification of all required documents. P: 269.569.7237, A: 144 S. Main St. Leslie, MI 49251 Flexible financing terms for customers with disabilities or access needs. Have other Capital One accounts: Existing Capital One customers may find it more convenient to manage their auto loan and make payments in Capital Ones online banking and mobile app, where they view and manage other accounts. Auto Loan Rates are based on vehicle, and applicants credit worthiness. Check out our Express Loan Pay Video down below! If you are not yet a DCU member, you will receiveinformation about how to apply to become a member after you receive your loan decision. This may be through a finance company owned by the manufacturer, the dealership or a third party. No matter the situation, it all boils down to financing offered to you through the dealership. When you buy a car, you will be able to fill out an application for an auto loan. If you are approved, you can use this loan to finance your car. Copy of the vehicle registration and title or title status. For new or used vehicles - with the same low rates. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page. However, the company found that drivers were unable to consistently meet monthly payments. Make sure all words are spelled correctly. Prefer to make your payment over the phone? We encourage you to read and evaluate the privacy policy and level of security of any site you visit when you enter the site. "You need to go check out the car for yourself.". Mailed-in check, phone, mobile app, online banking, through website, ACH (electronic bank-to-bank), in person. You must enter your registered email address and select Continue. A message will then notify you that your Username has been sent to your registered email address. Unlock the Benefits of Financing Used Car Dealers! Will not refinance existing Capital One loans. Or, you'll be jumping from car to car in the pouring rain, only to find yourself walking away in drenched clothing and lost hopes for a "incredible deal.". Capital One Auto Navigator enables car buyers to find a vehicle online, pre-qualify and present that offer when at the car dealership, speeding up the car buying process. Minimum credit history: Did not disclose. With a variety of options available, making your loan payments is easy. WebTo set up automatic recurring payments from your Independent Bank account or another financial institution, visit your local branch, or contact our Customer Experience Hub at This information may be different than what you see when you visit a financial institution, service provider or specific products site. Whether you want to pre-qualify for auto financing, refinance your current auto loan, or youve been pre-approved for an exclusive financing offer, weve got you covered. Other models on the list include the Toyota Camry, Dodge Charger, Ford F-150 and Toyota Corolla. Do I need to become a member before applying? Pre-qualifying is not a commitment to finance with Capital One if the dealership finds a lower-rate loan offer. When you finalize your loan, you can specifythe exact dollar amount you wish to fund. PO Box 9130 If the payment was made today, before 7:00 p.m. An auto loan allows you to borrow money from a lender and use that money to purchase a car. Yes, via soft credit check. It could be because of many reasons. Want to compare more options? So how do we make money? This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.
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