Welcome!

SEPTEMBER 2016

Looking for a new vehicle this fall?

 Looking at the new models or maybe a good deal on a “leftover?”

Look to us for your financing!  We have great rates and treat you fairly!  

Get pre-approved and shop with confidence. It is easy to apply. Click here for a preliminary loan application and fax it to us at 610-358-8289 or just give us a call at 610-358-8030 and we will take your application over the phone.

We offer financing up to 100% of the purchase price including tax, tags, and warranty.

NEW Vehicles

A Credit

B Credit

C Credit

D Credit

Up to 48 Months

1.99%

2.99%

4.99%

7.99%

60 Months

2.09%

3.09%

5.09%

8.09%

72 Months

2.59%

3.59%

5.59%

8.59%

84 Months

3.09%

4.09%

6.09%

9.09%

 

USED Vehicles

A Credit

B Credit

C Credit

D Credit

Up to 48 Months

2.39%

3.39%

5.39%

8.39%

60 Months

2.49%

3.49%

5.49%

8.49%

72 Months

2.99%

3.99%

5.99%

8.99%

You must have an account with the Credit Union to apply for a loan. But don’t let that stop you. You can join the Credit Union and apply for a loan at the same time.  Click for a Membership Application.

Rates are determined by each member’s credit score and loan term.

All loans are subject to credit approval.

Set Yourself Up for Auto Loan Success

An automobile is a major investment. So when shopping for a car don’t let your emotions do the shopping. Obtaining a great car you can afford with a low interest-rate loan starts before you hit the showroom. It begins with an assessment of both your financial situation and what you really need in a car. Once you have determined how much you can afford to spend, it is time to think about loans. The ultimate goal should be to pay off your car with the least amount of money in the least amount of time.

Negotiating a good price on your car can be stressful, but arranging for a good deal on your loan does not have to be. Before you go car shopping, call the credit union to get pre-approved for your loan. Pre-approval from Wawa Credit Union will mean you have one less thing to worry about when you find the vehicle you want.

Using your head first, instead of letting your emotions lead you, will put you in a car that meets your needs with a loan payment you can afford. Shopping without a plan makes it easier for a car salesperson to sell you a car that is the most profitable for them.

We Recommend:

NEVER negotiate a car deal based on payment. If the salesperson asks you what payment you'd like to have, tell him or her not to worry about the payment. You want to negotiate a price on the car. A payment that sounds too good could actually mean a longer loan term and higher interest rate.

When negotiating a car deal, don't let the salesperson know that you have your own financing in place. If you tell your salesperson up front that you have already arranged financing with Wawa Credit Union and he relays this information to the sales manager, they might make the decision to hold out for more profit on the car deal thinking that they're not going to make anything on the loan.

Credit Union Vehicle Loan Useful Information:

Refinance  You may be able to lower your interest rate and payment by refinancing your vehicle loan with the credit union. How does it work? We review the facts and let you know what (or if) you will save. You complete and sign paperwork then we pay-off the other lender with the funds from your new loan at the credit union.  We do review the value of the vehicle.  If the loan balance is higher than the value of the vehicle, we will let you know your options. 

Length of Loan 72 months is our maximum loan term for a new vehicle; 60 months is our maximum loan term for used vehicles.  Financing for older vehicles may be offered for a shorter period of time.

Age of Vehicle  We will finance used vehicles up to seven years old. We realize the value of a used vehicle is often determined by the condition, mileage, and manufacturer of the vehicle

Vehicle Defined We define a vehicle as a Car, Truck, Motorcycle or Motor Homes registered and licensed with the department of motor vehicle as a motor vehicle for highway use.

New Vehicle Definition Vehicles not previously titled as well as a demo vehicle with less than 10,000 miles purchased from a dealer classify as a new vehicle. Refinance Loans for vehicles purchased new within the past 6 months will be priced at the new vehicle rate. 

Classic Vehicle  The vehicle’s value will be determined by using one of the industry accepted classic or vintage car guides.  In addition, we may require an inspection or appraisal of the vehicle.

 

  September Quotes From Will Rogers

The worst thing that happens to you may be the best thing for you if you don't let it get the best of you

Even if you are on the right track, you'll get run over if you just sit there.

Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like.