Have you ever seen one of those holiday commercials from a car maker? A couple goes outside on a snowy Christmas morning. One of them has their eyes covered. There’s a big reveal of a car with a bow on it and everyone is happy. That’s just not how auto loans (or loans of any type) work. They’re a big decision. Surprise gifts are great! But, surprise loans? Not so much. But, while Arsenal might not have a car with a big bow on top, we do have car loan options for you.
How can a loan from Arsenal can help keep your holiday budget happy?
- Low rates on loans mean lower monthly payments after the holidays are over.
- Quick decisions mean no waiting around to get your funding.
- Pay your loans online, fast, with digital banking tools. You can even use an outside debit card to pay.
Keep reading to see you can save more money with a few of our loan offerings this holiday season.
Quick links:
Auto loans
At the end of the year, auto dealers are looking to clear out their lots to make room for new models. Salespeople are also eager to close deals to hit their yearly quotas and earn their bonuses.
Vehicle shopping in December puts you in a unique position to buy at a lower price than the other 11 months. Before you shop, you want as much leverage as possible to get the best deal. That’s where Arsenal’s car loan options come in. Make sure you get preapproved for an auto loan with us before you head out.
How can a loan at Arsenal help you with end-of-year auto shopping?
- Roll related costs into your auto loan.
- Pay no application fees or any pre-payment fees.
- Explore add-on options like GAP Plus, Debt Protection, Vehicle Service Contracts and auto insurance without the pressure of a salesperson.
Apply for an auto loan and get a quick decision.
Personal loans
Think of a personal loan as sort of a “catchall” for anything that you might need to fund this holiday season and beyond. One of the biggest advantages of a personal loan is that it’s predictable. You’ll receive a lump sum of money to spend, often at your own discretion. A fixed rate means that you’ll be making the same monthly payment
What are some things you can fund with a personal loan?
- Holiday vacations
- Unexpected home or auto repairs
- Medical procedures
- Debt consolidation
Learn more about personal loans and see current rates.
Credit cards
Are you considering opening a new credit card for holiday shopping season? Watch out. A lot of companies will send you special offers for low introductory APRs (Annual Percentage Rates) that expire before you can pay off your balance. Some retail credit cards can have rates as high as 35.99% APR.
Credit cards at Arsenal come with much lower, fixed rates based on your credit score.
What additional perks do you receive with credit cards at Arsenal?
- No penalty rates on missed payments
- No monthly fees
- No cash advance fees
- No balance transfer fees
Learn more about Arsenal credit cards.
