The Smarter Way to Buy Your Next Car: Get Pre-Approved

In the market for a new car?

At First Credit Union, we believe buying a car should be exciting, not daunting. Start your car-buying journey not on the lot, but with us. Get pre-approved, shop smarter and drive away sooner. 

What are the benefits?

✅ Stronger Negotiating Power: You negotiate as a cash buyer. Dealers are more inclined to give you a better price on the car when they know your finance is already sorted elsewhere.

✅ A Clear, Set Budget: You know exactly how much you can spend, preventing you from overspending or getting swayed by a salesperson. It helps you shop within your means.

✅ Drive Away Sonner: The major financial checks are already complete. Once you choose a car, the final loan approval and funds transfer can be much quicker, often allowing you to drive away the same day. 

✅ We’re Available 7 Days a Week. Life doesn’t only happen 9 to 5, and car shopping doesn’t either. We’re available to disburse funds and finalise your loan even on Saturdays and Sundays. So when you find your dream car on the weekend, we’re here to help you seal the deal. 

How to Get Pre-Approved

Getting your pre-approval is simple:

1. Apply Online or at one of our easily accessible branches:

Ø  Fill out an application form.

Ø  Supply 3 months bank statements. Or we can provide a secure link through our partner Credit Sense that allows you to complete via internet banking

2. Your dedicated Lending Consultant will review and be in contact. 

3. If your loan is approved your dedicated Lending Consultant will confirm the amount, payments required and other detail to ensure you have the right structure for your circumstances.

4. Shop Smart: Hit the car yards with confidence and the power to negotiate.

Ready to Shop Smarter? A First Credit Union pre-approved car loan puts you in the driver’s seat long before you even turn the key. Find your dream car with confidence. Apply for your car loan pre-approval today.  

*Normal lending criteria and T&Cs apply. Subject to responsible lending enquiries. Third party fees of up to $29.90 per applicant may apply. Normal interest rates range from 10.95% p.a. to 18% p.a.