Car Buying Guide: Better Vehicle Options With You in Mind

Get behind the wheel of a car you’ll love – and feel confident with your purchase. Our auto buying options will put you in the driver’s seat.

When it comes to a new car, financing is only part of the process – it’s also choosing a vehicle that fits your lifestyle and budget, determining a fair price, and securing the funding to make it all happen. Our CUDL®  Car Smart Resources is a great place to start.

Find your car.

Car Smart can help you to navigate the car-buying process in a thoughtful, convenient way, so you can get the vehicle and features you want, at the best price. Compare hundreds of makes and models and options, such as technology and luxury packages. You’ll see the base price MSRP (manufacturer’s suggested retail price) and the cost of each upgrade. When you parse the features and establish how each impacts price, you can clarify their value. Also, compare the vehicle’s highway and city MPG for budgeting as well as safety features.

If you’re buying used, you can search the site based on model, mileage and price range, in your desired zip code. You’ll be served search results based on your criteria. Handy links to vehicle Blue Book values are also available so you can see if the car’s selling price is in line with its true value.

Learn how to buy.

Negotiating is just as important as finding the car – your salesperson knows how to sell you a car; why shouldn’t you be prepared and know how to buy? The Car Smart finance tab is an excellent resource for car buying education with tips and comparison calculators. For example, calculate how much vehicle you can afford, along with maintenance costs and insurance. Compare possible payment scenarios, based on varying interest rates, terms and down payment amounts, and if you’re selling your current vehicle, evaluate that vehicle’s trade-in value.

Feel confident in your car – and the financing.

Besides excellent rates and trustworthy service, there are other reasons to look to Members 1st for the financing. We always work with you to ensure the loan is one you can afford. A low rate, which is undoubtedly a factor, can keep monthly payments affordable. But we also recommend you budget for the car’s total purchase price along with anticipated maintenance and insurance costs – not merely by a monthly payment amount. This can help you to avoid overspending or allocating too much of your budget to a vehicle.

Beyond financing, we offer (and recommend) certain additional insurance coverages. These options go beyond typical collision insurance and are designed to give you added peace of mind.

  • Gap Insurance – This coverage pays the difference between your loan and insurance payout if you total your car or it is stolen. It protects you because some vehicles become “upside down” in their value, especially with longer financing terms. So, if you owe more than the insurance will pay, rest easy. You’re covered with Gap insurance.
  • Loan Payment Protection A terrific value, Member’s Choice™ Borrower Security is a voluntary loan-payment protection product that helps preserve your family’s standard of living if a protected life event unexpectedly happens to you. For example, the coverage makes your loan payments if you lose your job or have a health issue that prevents you from working. (Protected events include loss of life, including those caused by acts of war, disability, and involuntary unemployment.) It’s affordable, and the security it affords is well worth the investment.
  • Extended Warranties – Unfortunately, major repairs often occur after the manufacturer’s warranty expires. This coverage can extend the life of your car’s warranty and protect you from costly repairs. Beyond a traditional factory warranty, it’s a smart option if you plan to keep your car longer than typical. And, the coverage can increase the value if you sell your vehicle.

Get ready to shop or buy.

If you’re ready to get started, visit our Car Smart website at You can apply for the financing right within site, on our website at or by calling 856-696-0767. You’ll have a car you’ll love and a loan you can feel good about.

* APR= Annual Percentage Rate. Rates may change without notice. Rates shown are for qualified borrowers. Your rate may vary based on your credit history. The chart is an example. The actual rate and terms can vary and are subject to change.