{"id":17283,"date":"2024-09-13T12:22:01","date_gmt":"2024-09-13T12:22:01","guid":{"rendered":"https:\/\/www.del-one.org\/?p=17283"},"modified":"2026-04-21T13:08:17","modified_gmt":"2026-04-21T13:08:17","slug":"is-an-express-auto-loan-right-for-you","status":"publish","type":"post","link":"https:\/\/www.del-one.org\/es\/media-room\/is-an-express-auto-loan-right-for-you\/","title":{"rendered":"\u00bfUn pr\u00e9stamo expr\u00e9s para autom\u00f3viles es adecuado para usted?"},"content":{"rendered":"<h2><span style=\"font-size: 22.0pt;\">Introducing our Express Auto Loan<\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-17304 lazyload\" title=\"Introducing Express Auto Loans\" data-src=\"https:\/\/www.del-one.org\/wp-content\/uploads\/2024\/09\/Express-auto-loan-300x150.jpg\" alt=\"Introducing Express Auto Loans\" width=\"570\" height=\"285\" data-srcset=\"https:\/\/www.del-one.org\/wp-content\/uploads\/2024\/09\/Express-auto-loan-300x150.jpg 300w, https:\/\/www.del-one.org\/wp-content\/uploads\/2024\/09\/Express-auto-loan-24x12.jpg 24w, https:\/\/www.del-one.org\/wp-content\/uploads\/2024\/09\/Express-auto-loan-36x18.jpg 36w, https:\/\/www.del-one.org\/wp-content\/uploads\/2024\/09\/Express-auto-loan-48x24.jpg 48w, https:\/\/www.del-one.org\/wp-content\/uploads\/2024\/09\/Express-auto-loan.jpg 600w\" data-sizes=\"(max-width: 570px) 100vw, 570px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 570px; --smush-placeholder-aspect-ratio: 570\/285;\" \/><\/p>\n<h3><span style=\"font-size: 18.0pt;\">Shopping for a vehicle or trying to find a better rate for your current auto loan can be overwhelming. You have new terms to learn, navigating different types of loans and then finally having to choose your vehicle. At Del-One FCU, we believe that <a title=\"Express Auto Loans - Fast &amp; Flexible Car Financing | Del-One FCU\" href=\"https:\/\/www.del-one.org\/es\/vehicle-loans\/\">vehicle loans<\/a> should be easy! <\/span><\/h3>\n<p>So, what do you need to consider before you submit an auto loan application? Here are some helpful steps to take:<\/p>\n<ul>\n<li><strong>Research current auto loan rates.<\/strong> You can view our current car loan rates here. We have some of the best rates in Delaware for used and new vehicles! Finding the best auto loan rates near you gets you a loan from a financial institution that cares for its community \u2013 like Del-One!<\/li>\n<li><strong>Consider auto loan terms.<\/strong> For new vehicles, the most common terms are 60 or 72 months. If you have a large down payment or choose a used car auto loan, sometimes you can opt for a shorter term such as 36 or 48 months. Shorter terms mean less interest paid overall, although if you choose a pricier vehicle, your monthly payment could be high.<\/li>\n<li><strong>Use a car loan calculator to find your budget.<\/strong> Try our <a title=\"Car Payment Estimator - Calculate Your Auto Loan Payments\" href=\"https:\/\/www.del-one.org\/es\/vehicle-loans\/#1631694415648-2a654121-072a\">car payment estimator<\/a> to see monthly car payments for different loan amounts. Using an auto loan calculator helps you get a good idea of what the total costs of financing a car may be.<\/li>\n<li><strong>Compare banks and credit unions.<\/strong> An advantage of financing your vehicle with a credit union is that you\u2019ll often find lower rates. Credit unions don\u2019t have stockholders, so they return earnings to members.\u202fThis comes in the form of many things \u2013 like lower auto loan rates!<\/li>\n<li><strong>Gather documents before applying.<\/strong> Organize your personal information for a smooth process. Make sure you have identification, pay stubs and proof of residence. You may also need proof of insurance and a check for a down payment.<\/li>\n<li><strong>Investigate used vehicles before purchase.<\/strong> Del-One also helps give insight on used cars by providing a CARFAX Vehicle History Report\u2122. Find information about potential salvage, total loss, structural damage, lemon and flood history before your car purchase.<\/li>\n<li><strong>Think about the future.<\/strong> Consider adding Mechanical Breakdown Insurance (MBI) or Guaranteed Asset Protection (GAP). MBI covers repairs for major failures in your car, such as bad brakes or transmission issues. If your car is totaled, GAP covers the difference between the amount owed and the actual cash value.<\/li>\n<li><strong>Plan for the unexpected.<\/strong> You can estimate how much it will cost with our <a title=\"Auto Loan Calculator | Del-One FCU\" href=\"https:\/\/www.del-one.org\/es\/vehicle-loans\/#1631694415648-2a654121-072a\">auto loan calculator<\/a>.<\/li>\n<\/ul>\n<h2><span style=\"font-size: 20.0pt;\">Now that you\u2019ve done your research \u2013 it\u2019s time to pick your auto financing option!<\/span><\/h2>\n<p>One option to consider is an <a title=\"Introducing our Express Auto Loan\" href=\"https:\/\/www.del-one.org\/es\/prestamos-para-automoviles-expres\/\">express auto loan<\/a>. For most loans, you find a vehicle and then apply for a loan. You might choose a vehicle, but you&#8217;re not approved for the amount \u2013 which puts you at square one. Unlike a typical car loan, the first step of an Express Auto Loan is auto loan approval before you shop for a vehicle.<\/p>\n<p>You may wonder: How is getting a pre-approval a perk? When you get a pre-approved auto loan, you can confidently go to the dealer knowing your approved purchase amount. That keeps you from guessing about your budget, helps you narrow down your decision and saves time at the dealer.<\/p>\n<h3><img decoding=\"async\" class=\"aligncenter lazyload\" title=\"New and used auto loans with Del-One\" data-src=\"https:\/\/www.del-one.org\/wp-content\/smush-webp\/2021\/09\/car_hero.png.webp\" alt=\"New and used auto loans with Del-One\" width=\"422\" height=\"241\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 422px; --smush-placeholder-aspect-ratio: 422\/241;\" \/><\/h3>\n<h3><span style=\"font-size: 20.0pt;\">How does an Express Auto Loan work?<\/span><\/h3>\n<p>We\u2019ve broken it down into four easy steps to truly make your new auto loan express:<\/p>\n<ul>\n<li><strong>Step 1:<\/strong> Eliminate the back-and-forth with financing by getting approved\u202ffirst! After we approve you for a loan, we\u2019ll provide you<br \/>\nwith a\u202fblank check.\u202fYou can use the check to purchase a vehicle for any amount up to your approved limit!<\/li>\n<li><strong>Step 2:<\/strong> Now that you know your approved purchase amount, you can head to the dealer with\u202fmore negotiating power! This will give you an easier time car shopping, knowing you have your financing taken care of with the best auto loan rate.<\/li>\n<li><strong>Step 3:<\/strong> Once you find the vehicle you want and negotiate the best price, fill out your blank check to complete the sale.<\/li>\n<li><strong>Step 4:<\/strong> Drive away in your new vehicle and congratulate yourself on getting an easy, fast auto loan!<\/li>\n<\/ul>\n<p>Ready to drive your dream car? <a href=\"https:\/\/app.loanspq.com\/vl\/VehicleLoan.aspx?lenderref=Delonecu61417&amp;cq_UTM=usc-word-edit.officeapps.live.com_referral&amp;_gl=1*9vgvfo*_gcl_au*MjEwODg4MTk3LjE3MTgyODgxNTA.\" target=\"_blank\" rel=\"noopener\">Click here to get started with our Express Auto Loans<\/a>!<\/p>\n<h3><span style=\"font-size: 18.0pt;\">Want to know how the fast approval process worked for others?<\/span><\/h3>\n<p>See what members have to say about an <a title=\"Quick Auto Loans - Affordable Car Financing | Del-One Federal Credit Union\" href=\"https:\/\/www.del-one.org\/es\/prestamos-para-automoviles-expres\/\">pr\u00e9stamos para autom\u00f3viles expr\u00e9s<\/a>:<\/p>\n<blockquote><p><em><span style=\"font-size: 12.0pt;\">\u201cJust wanted to take a few minutes and offer some feedback about the loan process I used to secure a new vehicle in June. I have not applied for a car loan or any type of loan in several years, so I wasn\u2019t quite sure what to expect!&#8221;<\/span><\/em><\/p>\n<p><em><span style=\"font-size: 12.0pt;\">\u201cFirst of all, the process was much easier than I expected! I was able to take advantage of the Express Auto Loan process and present my vendor with a check for the complete purchase. No salesperson to deal with.&#8221;<\/span><\/em><\/p>\n<p><em><span style=\"font-size: 12.0pt;\">\u201cWorking with Mrs. Neal was wonderful. She explained everything step by step, answered my questions and did it with patience, after evaluating what loan was best for me.&#8221;<\/span><\/em><\/p>\n<p><em><span style=\"font-size: 12.0pt;\">\u201cApplying and securing my check for purchase was so easy to do. I was attracted by the interest rate, and that\u2019s what piqued my interest to begin the process. I continue to enjoy working with Del-One!\u201d<\/span><\/em><\/p>\n<p><em><span style=\"font-size: 12.0pt;\">\u201cGetting an Express Auto Loan through Del-One was just that \u2013 \u201cExpress.\u201d Our paperwork\/documents were ready for signature upon arrival, and we were on our way with check in hand to buy our new car. The staff was very professional and personable. Thank you to Del-One for continuing to meet our needs.\u201d<\/span><\/em><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18.0pt;\">Not interested in an Express Auto Loan?<\/span><\/h3>\n<p>Work with one of our Dealer Partners and still get an easy auto loan application process. Visit <a title=\"Exclusive Partner Deals on Vehicle Loans\" href=\"https:\/\/www.del-one.org\/es\/vehicle-loans\/#partner-deals\">partner deals<\/a> and apply for your car loan at the dealership.<\/p>\n<h3><span style=\"font-size: 18.0pt;\">Are you interested in an auto loan refinance instead?<\/span><\/h3>\n<p>We offer great rates and terms when you refinance. Stop your higher interest rates and save money when you refinance a car loan with Del-One.<\/p>\n<p>Use our auto <a title=\"Refinance Payment Calculator\" href=\"https:\/\/www.del-one.org\/es\/vehicle-loans\/#1631694415719-82f32e4f-285c\">refinance payment calculator<\/a> to see how much you could save on the interest over the life of your current loan. You&#8217;ll find it&#8217;s easy to use the auto refinance calculator! Just fill in your current loan information and then compare it with a new rate and term.\u202fYou&#8217;ll be able to see how much your monthly car payments could decrease!<\/p>\n<p>Whether you\u2019re buying your first vehicle or upgrading to your ride, Del-One is committed to providing you with an easy vehicle loan experience. Plus, an auto loan from Del-One FCU means you work with lenders you can trust to get the best new and used auto loans near you in Delaware.<\/p>","protected":false},"excerpt":{"rendered":"<p>Presentamos nuestro pr\u00e9stamo expr\u00e9s para autom\u00f3viles. Buscar un veh\u00edculo o intentar encontrar una mejor tasa para su pr\u00e9stamo actual puede ser abrumador. Tiene que aprender nuevos t\u00e9rminos, navegar por diferentes tipos de pr\u00e9stamos y, finalmente, elegir su veh\u00edculo. En Del-One FCU, creemos que los pr\u00e9stamos para veh\u00edculos deben ser f\u00e1ciles. Por lo tanto,<\/p>","protected":false},"author":17,"featured_media":17304,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"wds_primary_category":0,"footnotes":""},"categories":[19],"tags":[58],"class_list":["post-17283","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-post","tag-express-auto-loans"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/posts\/17283","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/comments?post=17283"}],"version-history":[{"count":40,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/posts\/17283\/revisions"}],"predecessor-version":[{"id":21772,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/posts\/17283\/revisions\/21772"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/media\/17304"}],"wp:attachment":[{"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/media?parent=17283"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/categories?post=17283"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/tags?post=17283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}