Car buying can be a daunting experience. St. Anthony’s & Claddagh Credit Union can help with some simple tips to help you in the search for your dream car:
1 —Never buy a car without seeing it first or having it checked over by a professional.
2 — Ask to see the log book and if a name is on it ask for ID to verify the seller.
3 — Dealers prices my often be higher than private owners, however there are certain advantages when buying from a dealer e.g. vehicle recently serviced, extended warranty, additional extras.
4 — Don't examine a vehicle at night time or during wet weather. You will not be able to spot scrapes and scratches that would otherwise be very visible during dry conditions.
5 — Remember that salesmen work on a commission basis, so they are going to be looking for a high asking price for the car they sell. So always feel you can haggle!
6 — Online auctions such as those found on eBay are becoming more popular. Auctions carry a far greater risk, as buyers do not get to see the car they are bidding on in the metal - instead, the buyer must gauge the car's condition etc. from photos alone.
7 — Be brave and look under the bonnet. Corroded battery terminals or holding brackets, an oily engine, frayed wiring and cracked hoses are all signs of neglect.
8 — Never give out your account details if unsure, if you do and have reservation, contact your bank immediately
9 — Starting out you should ask yourself the following questions:
What is your budget? How much will it cost you to run this car, in terms of tax, insurance and fuel consumption?
10 — For competitive Car Loan Rate at 6.5 per cent variable, (6.7 per cent APR ), speak to a St. Anthony’s & Claddagh Credit Union loans officer on 1800 CU LOAN = 1800 28 5626.
A St. Anthony’s and Claddagh Credit Union loan is low cost and high value. To avail of a Special Car Loan, you will need to become a member of St. Anthony’s & Claddagh Credit Union. Set the wheels in motion by visiting St. Anthony’s & Claddagh Credit Union online at www.sacu.ie or talk a member of staff in branch. That dream motor may be closer than you think.
