Wondering if your payments could be lower or if you could get a better interest rate on your vehicle loan? Many times the dealership may not be able to get you a competitive interest rate but your ready to drive away today in that new car. Let the Credit Union refinance your current loan. Here is how simple it is: 1. Complete Application - Complete a loan application either online or call (Hickory Area) 828-901-5290 or (Outside Hickory Area) 800-728-8088. The credit union will need the vehicle information, make, model, year, miles and any additional options to determine the value. 2. Find Out Your Current Payoff Information - Call the financial institution that has financed your vehicle. Find out the payoff (good for 10 days), the interest rate, the account number, and the address in order to mail the payoff. Submit this information with your application. 3. Approval Process - Most loan requests will receive a response in less than 24 hours. The approval of the loan is dependent upon such criteria as ability to pay, credit history, and purpose. The value of the vehicle will determine if the credit union is able to refinance your current loan. If the credit union is unable to approve your request you are entitled to and will receive an explanation of why the loan cannot be approved. 4. Payment Options - Setting up payroll deduction to your account is the most convenient and worry free payment method. Payroll will deposit a designated amount to your account each pay period and the last day of the month the loan payment will be automatically withdrawn from your primary savings account. You may also, make your payments using a coupon book. Your loan can be paid off at anytime with no penalty. Find A Used Car ValueN.A.D.A

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