BUYSMART Used car buying in 5 steps - Metro Federal …
BUY SMART: Affordable Used Car Buying in 5 Steps
Courtesy of METRO Federal Credit Union
STEP #1: Piggy Bank and Pocket Book Planning
1) Establish your monthly car budget limits.
9 Feel free to call METRO for payment estimates!
2) Review current monthly living expenses.
Mortgage/Rent Utilities Food Clothing Medical Savings
3) Determine how much money is available from your NET monthly income for car expenses. (Don't forget car insurance!)
"Do The Math"
? Don't Forget...... STASH SOME CASH!
Set aside money every paycheck for emergency bills OR to help with your down payment
Get Pre-Approved at METRO
? METRO offers FREE loan Pre-Approvals ? Print an application from our website and view current,
competitive loan rates
STEP #2: Used Car Valuation
1) Collect used car values for vehicles you are interested in.
Your BEST negotiating tool is for Used Vehicle values - NOT Kelley Blue Book.
Kelley Blue Book is inflated for dealership pricing.
2) Calculate the value for the vehicle including all options and any mileage credit or penalty.
9 See next slide.......
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