New and Used Vehicle Financing

Tips for SMARTER Car Buying

If you’re searching for a new or new-to-you car this spring, be sure to take a look at our tips for making a SMARTER decision when you choose your vehicle.

  • Set a budget. A good rule of thumb is to budget no more than 25% of your monthly household income for all the cars in your household.
  • Pare down your list to several cars. Choose cars that are at least 5% less than your monthly budget to give yourself some room to cover gas, car insurance, repairs and maintenance, etc.
  • Decide whether to buy new or used—or lease.You may find that a used vehicle is your best value, and Empire ONE offers the same low rates on most used car purchases as new.
  • Secure your financing before you test drive. Empire ONE will preapprove your financing so you can shop with cash in hand and make your best deal.
  • Take your time with the test drive. A car is a long-term purchase. Don’t hesitate to take extra time behind the wheel. Be sure to adjust the seats and controls to ensure passenger comfort and ample cargo space.

You can now pay your loan from another financial institution.Loan Pay