Buying a Car Process

Simplify the car buying process.

Estimate Your Payment   ➤

There’s nothing like that new car smell! If you’re hunting for your next set of wheels, or even if you’re just dreaming, you’ve come to the right place. Mill City CU has some of the best rates and we’ve got all the resources you need to get behind the wheel of your next vehicle.

If you’re looking for your first car, our First Time Auto Loan Program has been designed exclusively for you!

The car-buying process

The internet and mobile devices have revolutionized the car-buying process, whether you’re buying a new or used vehicle. Gone are the days when you had to walk into a dealership and rely solely on the salesperson. Doing your homework with AutoSMART ahead of time is the key to finding the vehicle you want at a fair price and by arming yourself with knowledge; you’ve got the power to negotiate the best deal possible.


For articles, videos and podcasts on a variety of topics related to buying a car check out the Financial Resource Center. BALANCE offers a Car Buying Decisions Toolkit.

What can I afford?

You’ll want to determine a budget that accounts for car payments, as well as operating costs of a vehicle such as insurance, gas and maintenance. To help you establish a budget, Mill City CU has partnered with BALANCE, a free and confidential financial counseling service. BALANCE counselors are available to help review your credit history and get you started with a budget.


Financial calculations

It’s fast and easy to calculate your payment! Use our simple Car Loan Calculator. It works on mobile devices too!