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Before you buy any used vehicle, know the Top Ten Used Car Buying Myths, Mistakes and Pitfalls. When you have reviewed the list, you can follow these 4 easy steps to buying a used vehicle with confidence.

4 Easy Steps To Buying A Used Vehicle

  • Step 1: Get Pre-Approved For Your Loan

    Contact the Baptist Credit Union Loan Department at 1-800-222-2328 and get pre-approved for a used car loan. Determining how much you want to spend on a used vehicle and having a pre-approved loan allows you to concentrate on finding a good vehicle and not worrying about the pitfalls of third party financing. This will also give you more confidence when initiating a discussion with auto salesmen. They will know you are clear about how much you qualify for and how much you are willing to spend. Click here to Apply Online for a BCU Auto Loan.

  • Step 2: Do A Test Drive & Negotiate A Price

    Once you found a vehicle be sure you follow these steps:

    • Take it for a test drive – A test drive should be at least 10 minutes over different road conditions and speeds. Check cosmetic items and electrical components and accessories. This is your opportunity to eliminate a car from consideration.
    • Don’t Rely on a CarFax report – A CarFax report (on any other history report) cannot tell you the CURRENT condition of the vehicle. Before you spend money on a Carfax report read the 7 problems that Carfax does not tell their customers.
    • Negotiate a price – Call one of our loan officers and ask for the “Bluebook value” of the vehicle and go online to determine vehicle pricing. When you negotiate any price, always make it contingent upon a pre-purchase inspection. The true value of a used vehicle is the book value minus any needed repairs and diminished value from previous accidents.
    • Make arrangements to have the vehicle professionally inspected. Do not let the salesperson or seller talk you out of your right to an unbiased professional inspection. A Dealer inspection is not the same as a pre-purchase inspection. Dealer inspections are usually performed by junior technicians and are more a “cosmetic” type inspection.

    Note: Certified Pre-Owned Vehicles need to be inspected to determine if there are existing problems that are not covered under the certified vehicle’s warranty. There are no standards for certifying vehicles.

  • Step 3: Get a Professional Pre-Purchase Inspection

    A pre-purchase inspection is the most important step when purchasing the used vehicle. It is the buyer’s responsibility to determine the true condition of a used vehicle before purchase.

    When you have your vehicle inspected, be aware that there is a huge difference between Automotive Technicians. A pre-purchase inspection is only as good as the experience and qualification of the Technician. A pre-purchase inspection requires that the Technician be certified on each of the 8 general automotive areas and be Body & Frame Specialists. Only an ASE Certified Master Technician is certified on every mechanical and electrical system. In addition a pre-purchase inspection must include a body & frame inspection by a Body & Frame Specialist.

    The pre-purchase inspection should give you a list of any needed repairs and the cost to repair for negotiating.

  • Step 4: Re-Negotiate the Price or Have the Dealer/Seller Fix Any Needed Repairs

    Re-negotiate your original deal to include any problem uncovered during the inspection or have the dealer/seller fix any problem before you purchase. Once again, the true value of a used vehicle is its book value minus any existing problems and deduction for diminished value caused by a previous accidents.

Enjoy your new purchase!

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

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THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

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YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

ATTN’ MOBILE CAPTURE USERS

Dear members, effective immediately, all checks to be deposited through mobile capture must be signed and show the legend “FOR MOBILE DEPOSIT ONLY AT BAPTIST CREDIT UNION” on the reverse of the check. Any check that fails to include these requirements may be rejected.

Thanks for your cooperation on this matter!

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

THIRD PARTY NOTICE

You’re about to open a third-party website in a separate browser window. The site you are about to enter may be less secure and may have a privacy statement that differs from Baptist Credit Union. The products and services offered on this third party website are not provided or guaranteed by BCU. Please note that you’ll still be able to view the current page on baptistcu.org.

Would you like to continue?

NO

YES

MARTIN LUTHER KING’S DAY

Dear members, please note that all our Baptist Credit Union offices will be closed on Monday, January 21st., 2019, in observance of Martin Luther King’s Day. We will resume operations on Tuesday, January 22nd., 2019, at regular business hours.

Enjoy the Holiday!