Getting into the right financing is just about as important as getting into the right vehicle. Before you get too serious about taking any test drives, you should strongly consider getting pre-approved so you have some bargaining power once you’re at the dealership. Here how pre-approval gives you the edge:


1. Negotiating Leverage

If you walk into a dealership with pre-approval, you can negotiate your price more effectively because you’ll be acting as a cash buyer who can take their business elsewhere if your price isn’t met.

2. Less Stress

Making a major purchase is stressful. We get it. If you’re pre-approved, you’ll know what you qualify for so you can plan your budget and not feel pressured to make quick decisions. Plus, you know you won’t get tricked into paying a higher APR than you should.


3. You’re Not Tied to Any One Dealership

Pre-approval means you have more freedom and more time to check out different dealerships. You already know what your loan offer will be without having to wait for a dealership’s lending partner to respond. This allows you to focus on the vehicle, not the financing.

It doesn’t matter if you’re looking for a new or used car or truck, a boat, a snowmobile, an ATV, or a motor home. Getting pre-approved puts you in the driver’s seat when it comes to getting the best deal.


Learn more about loans for recreational vehicles.

New vehicles are exhilarating. American Bank & Trust is here to make your financing just as exhilarating. With personal service from start to finish, you’ll be in good hands. And with quick, local decisions, you’ll be on your way to the fun stuff even faster picking out your new ride!


A personal banker can answer your questions.

Get pre-qualified today by contacting an American Bank & Trust personal banker near you.




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