Tag Archives: Auto Dealership

Spotlight: A Look Inside Enterprise

If you didn’t already know, USAgencies Credit Union has partnered with Enterprise Car Sales for years in order to bring our members great cars with great pricetags and great warranties! Here’s a quick Q & A with Austin Moothart, Enterprise Dealership Manager, on what it’s like to work for Enterprise, and what he likes most about his job…

Enterprise

What do you do at Enterprise?
I am responsible for creating great buying experiences for our customers.

What makes Enterprise different?
Enterprise is different than any other dealership because our program is set up to put the customer first with our no haggle pricing, a transparent buying process and professional sales consultants who focus on helping the customer find the right vehicle for their needs. It’s not about just selling a car to a customer, it’s about the experience. So many people have negative experiences at dealerships which causes them to not look forward to buying their next car. When customers buy from us, our goal is to create customers for life and create relationships where people are excited to send in their friends and family.

What are some of the added benefits of buying a vehicle at Enterprise?
Great people and service, 109-point vehicle inspection, 7-day repurchase program, free roadside assistance for the first year, 12-month/12,000 mile limited powertrain warranty, and a free Carfax. Plus, we offer Kelley Blue Book Trade-in value on all trades!

We partner with thousands of credit unions across the country who trust us to help their members find the right vehicle when it’s time.

Favorite thing about your job?
Enterprise is a company that respects its employees and working in the Car Sales division has allowed me to work with some amazing professionals who share the same values that I have when it comes to taking great care of people. I really enjoy having a sales team that works really hard every day to do the right thing and exceed the expectations of our customers.

Favorite customer story?
I don’t have just one favorite customer story to share. But I will tell you that my best memories are the ones of customers who come in nervous about buying a car and leave telling us how they will never buy a car anywhere else but here. Having customers smile, laugh and hug us afterwards is the best feeling because we know that they are genuinely happy with the vehicle they picked out. Knowing that my team was part of a customer’s positive buying experience is incredibly rewarding!

 


Know what else is great about Enterprise? Now through April 30th, you can get 1% off your qualifying auto loan rate when you purchase with Enterprise and finance with USAgencies! Terms and conditions apply. Learn more.

 

Indirect Lending: Know Before You Go

Have you ever heard the term “Indirect Lending”? If you’re shopping for a new car or truck, and heading to the dealer, it’s a good idea to understand exactly what indirect lending is, and how it can affect your purchase. Our Lending Supervisor, Callie Gibbs answers a couple of questions about this common dealer lending practice and gives some tips on what you may want to watch out for…

Q. What is Indirect Lending?
A. Indirect lending means that the dealer finds your financing for you. Your general application information is sent to several different credit unions for approval. This can mean several inquiries on your credit report, as well as your personal information in the hands of several institutions. The financial institution that ends up “buying” your loan then pays the dealer for that loan; generally, 2% or more of the loan amount.

Q. How does Indirect Lending differ from lending at USAgencies?
A. At USACU, we already know you. We will decision your loan request based on you, not just the numbers. Our loan officers can give you information about what to look for when shopping, the best rates available to you. We will also advise you on the amount to spend so that you don’t get in over your head and have buyer’s remorse. Your credit union doesn’t feel we should have to buy your loan; we want to earn your loan.

Q. What kinds of things should you watch out for with Indirect Lending?
A. The biggest concern with indirect lending is that the dealer is allowed to add on thousands in products. This can sometimes cause you to finance 130% or more of the value of the car.

Q. What’s better than Indirect Lending?
A. A USACU AutoCheck! With an AutoCheck, you’ll know how much you are approved for before you start shopping, so you won’t overspend, you’ll know the book value of the vehicle you’re looking for so you’ll be sure that you’re getting a good deal, and you’ll avoid sitting in a chair at the dealer for hours dealing with the “dealer finance guy” that your salesperson has to keep checking with. You just make the deal, complete and sign the AutoCheck, and drive off- it’s that easy! Basically, it will save you time and money… and who doesn’t want more of that?



For more Q & A with Callie, you can contact her directly:

Callie Gibbs, Lending Supervisor, USACU

Callie Gibbs
Lending Supervisor
Certified Financial Counselor
cgibbs@usacu.org
(503) 275-0312