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Show dmes Newspaper 2003 Auto Section Page 9 JCCU gives customers advice on auto financin ( Is Zero percent financ-g financ-g always the best deal? sYou've probably seen heard the many 0 fecial financing offers km auto dealers recent-s recent-s At face value, these "V rates appear very tractive, but there are Tew things you should 1 aware of before accept- y a specia' nancinj - er of this ,id: ( 1 ealers f t e r squire -ge down yments in ier foi u to rec' cial rate. 2) The t( -oically oan mos tiers prefi brd. may be included, which can add 10 to 20 to the sticker price of a car. (6) The price of the auto may be nonnego-tiable nonnego-tiable if the special rate is offered, and you may be required to pay the sticker price Furthermore, due to dealer requirements, f -7 Of h A V. mortgages in ves tin en ts c fTlcmBERT FINANCIAL SERVICES ;3) Larger pre-pay- snt penalties may be jessed. ;4) There may be limi- ions to stock, resulting sacrifice of color, style, 'options. 5) Unwanted options many auto buyers won't be eligible for the special rate. If you do qualify, you can often do better by taking a rebate off the purchase price instead, applying it to the pur chase, and financing the difference at your credit union. And, if we can't beat it, we'll tell you. See the example below that illustrates your potential savings. Utah Community Credit Union is currently offering auto loans as low as 4.4 fixed APR on 1996 models md newer. J t a h Community serves over 33,000 members mem-bers and has eight full service offices located locat-ed in Utah ounty. For brmation you visit :u.com or call 3. APRAnnual age Rate. Rates are current as of January 1, 2003, and are subject to change without notice. 4.4 APR assumes you apply online and purchase the credit union's loan protection package. kNew Auto Financing: y Car costs $20,000 Loan Terms 36 Months 48 Months V: Rates Cost of new car Less equity in trade Less dealer rebate .Amount to finance Uff Monthly payment it, Total financing cost :oi sliSavings Ik 0APR UCCU 4.40 APR 0.9 APR UCCU 4.40 APR $20,000 $20,000 $20,000 $20,000 $4,000 $4,000 $4,000 $4,000 $0 $2,000 $0 $2,000 $16,000 $14,000 $16,000 $14,000 $444.44 $415.83 $339.49 $318.62 $16,000 $14,969.91 $16,295.73 $15,293.63 $1,030.09 $1,002.10 Ss-imi.m K N ffAitifc hnU'M; 2Jh(cf, t'MHi'. Hlifwfjfiw i'"uer itiulw$ dfr $-'$ 44 wirrtr$ issit Lif eft ssll lio Introducing the Saturn ION 0APK for5'ears for qualified buyers. 300' mr t... S .......... ( ' '- in 'jjL for ijujlifml buyers on .ill new f, ;5 , .) 2m fiitum L-$eries niwlch. 1,.:.. :: . S3' ' ' ' ' -" Oaturn of rem 1260 South Sandhitt. Orem Vt. 84058 221-1250 or 800-809-0509 V DIFFERENT KIND of COMPANY, A DIFFERENT KIND of CAR .'i different itl ;i S,ur!!r I r Sav-Mor Auto, at 780 North 400 West, Orem, commits to doing the job right the first time. Orem's Sav-Mor Auto uses expertise, up-to-date equipment Sav-Mor Auto Clinic, located at 780 North 400 West in Orem, is a modern mod-ern auto-repair shop with an old-fashioned commitment commit-ment to quality work. Sav-Mor Auto's motto, "We do it right the first time," reflects its dedication dedica-tion to providing quality auto repairs. The business is also up to speed with the fast pace of the car industry. "We strive to keep up on all the latest technology," Owner Glenn Mitchell said. Mitchell says he's "been interested in (cars) all (his) life." He and the Barber Brothers, who now own several car lots, grew up together and loved cars. Mitchell decided to make a career out of his love. Mitchell earned a degree in automotive at the Utah Technical College Association, now Utah Valley State College, and became the owner of Sav-Mor Auto nearly 22 years ago. With 22 years in the auto business, customers can expect Mitchell to know a lot about cars. But he doesn't want to keep all that knowledge to himself, which is one reason for Sav-Mor's Web site, savmorauto.com. The Web site contains information about the services available at Sav-Mor. Sav-Mor. Patrons can even submit a question about their car through the Web site, and a qualified technician tech-nician ' will quickly answer their question via e-mail or telephone. Patrons can also be notified noti-fied via e-mail when their cars are due for servicing. HD HIT 2 Whatever your Printing needs Check with us. Call: 1 OlllSIOl Scott Watters OWNER LIFETIME GUARANTEE 24 HOUR TOWING i V- J, i ft. . - This truck was involved in a rollover & repaired by Certified Collision Repair Certified Collision Repair uses only the best materials to get your car into tip-top shape. ALL INSURANCE ACCEPTED ASE ICAR CERTIFIED 3S5 S.Commcrcc Loop (1320 W.) Orem, GT 84058 fit . ,,.' ! jii, ,i SjI S.n.v'J, turn and l Vai-.i.-pblf |