Welcome to Jeanne D’Arc Credit Union's

Auto Buying Guide

We hope this guide serves you well on your journey to purchase a vehicle or refinance a car loan. Together, let’s bring your financial goals to life.


We share a common thread

Empowering our communities with financial know-how

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Our common thread is caring for the communities we serve, and empowering the people who call these communities home. We hope you are able to use these resources to make smart decisions about your next vehicle purchase.



Car Shopping Online vs. At the Dealership

Online car sales have skyrocketed over recent years, and websites like Carvana, Car Gurus, and other notable platforms dominate the space. Buyers are being driven to these platforms because they may be intimidated by the experience in dealerships and may prefer the convenience of shopping online. In this article, we will break down the key advantages and disadvantages of both car shopping online and at the dealership.

No matter what stage you’re in, we have resources to help you along the way.


Factors That Determine Vehicle Interest Rates

To help you understand what determines the interest rate you get, we’ve outlined some of the critical factors. Learn More >


Finding A Good APR For Your Car Loan

We want to make this process simple for you, so we’ve laid out the best way to approach shopping for a car loan. Learn More >


6 Easy Steps to Refinance Your Car Loan 

The process can seem confusing, but we’re here to make it straightforward. Learn More >

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GUIDE: APR VS. Interest Rate


APR vs. Interest Rate: What’s the Difference?

When shopping for a car loan, many shoppers will come across two terms, interest rate and annual percentage rate (APR). It’s easy to confuse the two and use them interchangeably because your interest rate and your APR serve a similar function. However, there are a few differences that you need to know.

Interest Rate

The interest rate of an auto loan determines the yearly interest expense of borrowing money, excluding any extra fees.

Annual Percentage Rate

The APR of an auto loan reflects the total cost over the life of the loan. This includes additional fees that accompany the loan.

Car Buying Checklists

You deserve the best resources

Calculator Your Monthly Payment


Other Resources



Jeanne D’Arc Credit Union is the very best!!! This is the reason I have been with them for over 50 years!!!

Ralph S.

car salesman showing features

New & Used Auto Loans

A new ride is just around the bend. We’ll help you get behind the wheel with our new and used auto loans.

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Auto Refinance

If you’re looking to lower your monthly auto loan payments, we’re here to help with auto refinancing options.

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Motorcycle, Boat & RV Loans

Got your eye on a motorcycle, boat, or RV? Explore our wide range of recreational vehicle loans.