首选的经销商网络

首选经销商网络常见问题

• 谁是首选经销商?

  This hand-picked group of auto dealers meets our high standards and is committed to giving each and every Credit Union of Colorado Member fair, 尊重, 并诚实对待和定价.

• How does Credit Union of Colorado pick the dealers that are considered Preferred Dealers?

  Our Credit Union 首选的经销商网络 Representative has established relationships with each of the dealers on our list. Each dealer has a proven track record of excellent customer service and is held to the same high standards of treating our members fairly.

• Is there a leasing option for the vehicles I may find through a broker?

  是的. All of our broker partners can offer the FlexChoice Auto Loan product.

• How can I be sure the loan is completed with Credit Union of Colorado?

  When you are signing all of the paperwork at the dealership you will sign what is called a Retail Installment Contract. 这份合同上有你的利率, 付款金额、首次付款日期等. On the front and back of this contract there is a spot where the lien holder should be identified. 留置权人将是信用合作社. If the name on that section is not listed as Credit Union of Colorado your loan will not be coming to the credit union.

• 汽车经纪人会卖掉我现有的汽车吗?

  是的, auto brokers are licensed dealers so they can evaluate your trade and give you market value for it.

• 我需要带什么文件给我的经销商?

  When you go to the dealer it is helpful to have your pre-approval information as well as insurance information to complete the paperwork at the dealership. You will need to fill out and sign a credit application at the dealership.

• 我的联名签署人需要和我一起去经销商那里吗?

  If you want to complete all required paperwork at the time of purchase then yes. If you are ok waiting on the vehicle then the dealer can mail documents to your co-signer or your co-signer can go to the dealership at a different time to sign all the paper work. Basically a co-singer will need to sign all of the same paperwork as the primary borrower.

• 我买车的时候需要全险吗?

  You will need to have your automobile insurance coverage up to date and full coverage as required by Colorado law.

• 我如何关闭我的汽车贷款，现在我是预先批准?

  你有两个选择. 1)你可以在购买汽车的时候在经销店结账. 2)你可以要求经销商给你一个买家订单. You can take that Buyers Order to the branch and close at the branch. After you close you will need to take a letter of credit back to the dealership to finalize some remaining paperwork and pick up your vehicle.

• I'm already pre-approved with you, will the dealer still need my info?

  是的. 为你的保护, you will need to give the dealership your last name and SSN in order for the dealership to locate your pre-approval information in the system.

• 经销商还会收回我的信用吗?

  是的. The system we use to accept applications from dealers automatically pulls a credit bureau when the application is submitted. Credit Bureaus will only show one hit on your credit for each credit pull by dealers during a 30 day period to allow you to shop at different locations for vehicles without being penalized.

• What is an auto broker and what are the benefits of working with a broker?

  Auto brokers are registered dealerships that can procure any vehicle make or model new or used for our members. They work with the wholesale department of the dealership so they can get wholesale pricing on a new vehicle and pass that savings on along to our members. With a broker the member never has to go to a dealership as the broker can bring vehicles to members to test drive. In most cases a broker will bring several vehicles of different makes and models to test drive side by side so the member can easily decide which vehicle will be best for them and their family. Once they decide on a vehicle, the broker can complete all of the paperwork for the member. In some cases our brokers will also send a staff member to the DMV to pick up our members plates so they don’t have to take a day off of work to get their plates.

• 我能得到一份可打印的首选经销商名单吗?

  点击这里 下载您所在地区的首选经销商的PDF列表.