If you don't have a budget, you don't know what kind of car or car payment you can afford. Too many people make hasty decisions based on looks or features, and don't realize the bottom-line financial impact that can have.
We help our members start with a budget first, and then work backwards into car ownership. If our members have good credit, we have programs to help them improve it more, so that their financing charges are less.
If our members have no or bad credit, we have a program to help them repair that credit over time, so that more affordable financing options become available.