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FREQUENTLY ASKED AUTO BUYING QUESTIONS
You must be an Affinity Federal Credit Union member and be 18 years of age or older.
Credit unions, such as Affinity, can be a good source for new car and other loans because they are non-profit institutions that exist to support their members, in part because they are owned by their members.
Edmunds estimates that the average down payment is 11.7% of the purchase price. For example, for a $26,000 vehicle that would roughly be a down payment of $3,000. However, if you can afford a larger down payment, it may be worth your while because the more you pay upfront, the less you'll have to repay each month for the life of the loan.
No. Affinity does not charge prepayment penalties on auto loans.
A traditional bank may not be able to offer great rates and less fees like Affinity because we don't pay shareholders and instead return that value to members in the form of great rates and less fees.