I want to buy a car, what should I do?

If I'm a consumer today or your mother wants to buy a car, she says, hey Chris, I want to buy a car and I'm going to finance it one way or another. Like what would you tell her to do? The good question.

如果今天我是一个消费者，或者你的母亲想买一辆车，她会说，“嘿，克里斯，我想买一辆车，不管怎么样都要贷款。你会告诉她该怎么做吗？” 这是个好问题。

There's many ways to go about that process. Like the old way would be, hey, go get a pre-approval from a credit union, walk into the dealership, pick the car you want, use the financing that you have from the credit union, and some credit user will issue checks. A lot don't do that because it's a fraud vector.

有许多方法可以进行这个过程。像老方法会是，你可以到信用联社获得预批核，然后走进经销商，挑选你想要的车，使用你从信用联社获得的融资，然后发行支票。但很多人不这样做，因为它是欺诈的一种方式。

Still, there is another way, which is simply if you demand that the dealer uses a credit union that you already know, they can go that route. They have indirect channels already. So you can walk into the dealership and say, hey, I want to finance through a very incredible credit union. And most credit unions who are connected on the tunnel or who have dealer track or others can still send loans that way.

然而，还有另一种方法，就是要求经销商使用你已经了解的信用合作社，他们可以选择这种方式。他们已经有了间接的渠道。所以你可以走进经销商那里，说：嘿，我想通过一个非常棒的信用合作社进行融资。大多数连接在隧道上或拥有经销商轨迹等的信用合作社仍然可以通过这种方式发送贷款。

There are many sort of larger medium size. You're small, the dealerships may not be connected to credit unions. That's arguably not where you're getting your car anyway. My recommendation would be go into a good dealership that's connected with credit unions already.

有许多种更大的中等尺寸。如果你很小，那些经销商可能没有与信用合作社联系。那可能不是你购买汽车的地方。我的建议是去一个已经与信用合作社联系的好经销商。

Pick one of these credit unions. You can see the advertised rates for prime credit and walk out with a great Harlem.

选择其中一个信用合作社。您可以查看优质信贷的宣传利率，并成功获得一次非常棒的交易。