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Don’t hit the web or head to the lot until you answer these four questions.
Let’s face it: Cars are fun, but they can also be expensive. You want the best deal possible on the vehicle and your financing, but maybe you’re not sure where to start.
Summit is here to help with four questions that will put you on the right path to smart vehicle choices.
Question #1: How much car can I really afford?
The best and easiest way to answer this question is to get preapproved for a loan. That way you’ll know exactly what you can afford based on your entire financial picture and you won’t have to worry about falling in love with a vehicle and getting turned down for financing.
There are three easy ways to get preapproved: Fill out our online application, stop by any branch or give us a call. The online process is a great tool if you feel comfortable navigating loan amounts and options on your own. If this is your first car or you’d just feel more comfortable having a loan officer walk you through the process, stop by a branch or call us.
Question #2: Which type of car is right for me?
Be realistic about what you’ll use this car for. Do you have a long commute and need something with amazing mileage? Or are you looking for a vehicle that can accommodate half the soccer team and stand up to years of hard wear and tear? Does your car need to impress clients or business associates? Or is your most frequent companion a big, messy pet? If it’s time to get the mini-van, it’s time to get the mini-van (and, if it’s time to get an incredible luxury car, hey, it’s time to get an incredible luxury car!).
Question #3: How can I figure out which car to buy – and where to buy it?
Don’t waste time endlessly trolling the Web to find the car that’s right for you. Use Summit’s auto buying programs. This is a speedy quick way to research and compare vehicles and options and check out warranties, rebates, incentives and more. And once you’ve figured out which vehicle you want to buy, our Car Buying Concierge can help you track down the new and pre-owned options that fit your needs. How cool is that?
Question #4: What’s the best way to protect my investment?
You have to insure your car – that’s a given. But have you got the insurance you really need? Let Summit’s experts help you find out. For instance, many people aren’t familiar with gap insurance. This protects you if the amount you owe on your car is more than the car is worth – which could be a concern if your car were totaled in an accident and you had to come up with extra cash to pay off your loan. Call or sit down with your Summit lender today to learn more about your insurance options.
Your best next car is out there! Let Summit help you find – and finance – it today!
Not a Red SHOES member?
Gain control and be confident in your financial decisions with this exclusive financial wellness program.
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Financial success isn’t how much money you have — it’s feeling good about what you’re doing with the money you have.
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Get Savings And Stability With Summit’s 15/15 Arm
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An easier, more affordable way to buy, build or refinance a home A house is one of the biggest purchases you’ll probably ever make. Which means you really (really!) want to be sure you’re getting the home loan that’s right for you, and that just might be a 15/15 Adjustable-Rate Mortgage (ARM)! But first, let’s look at some helpful background, starting with the two main categories of mortgages – fixed-rate and adjustable-rate.
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Using Your Home Equity: Loan Vs Line Of Credit
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Home equity loan or line of credit (HELOC) — which one’s right for you? Thinking about making some home improvements this fall — or planning ahead so you’re first in line with your contractors next spring? Then you’re probably on the lookout for affordable financing. One option that could be a good fit: tapping into the equity of your home.
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Tips for Managing Money and Paying Off Student Debt After Graduation
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Navigating finances after college is hard, but you can take it one lesson at a time. Get tips for managing money and paying off student debt after graduation. Navigating finances after college is hard, but you can take it one lesson at a time. Get tips for managing money and paying off student debt after graduation.
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4 Financial Tips To Consider When Borrowing Money For The First Time
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Sometimes having a little extra cash is the only thing between you and your dreams. Check out these financial tips to be smart about borrowing money and avoid common mistakes.
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Tips & Advice For Your First Time Buying A Home
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Buying your first home can be intimidating, so we asked real people to share their new homeowner tips. Find out their strategies to ace the homebuying process.
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How to Save Money When Buying Your Next Car
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Buying a car is a big purchase, but if you play your cards right, you can get a good deal. Learn how to save money at every step of the car buying process.
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Ask Kim: Navigating Home Equity Loans
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Yes, it’s possible to create the home of your dreams, and it may be easier than you think with a home equity loan. But how does it work? Get up to speed with these tips from our very own Kim Sponem.
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Car Buying Made Simple(ish)
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Buying a car is a big deal — hey, those things are expensive! And even if picking out a vehicle is one of your most favorite things ever, it can still be a bit stressful to navigate researching and buying a car. Summit’s got three tips to help make the process as fast and easy as possible.
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The Wisconsin's #1 Mortgage Lender designation is based on the number of loans in 2022, gathered from the Home Mortgage Disclosure Act data compiled annually by the Consumer Financial Protection Bureau. The results of the data were obtained through the