Nothing beats the feeling of stepping into a new car. But, the buying process itself can be a massive undertaking. Beyond the price tag is a number of decisions to make about trade-in value, add-ons, warranties and auto financing. Getting the lowest rate and knowing you’ve received the best value is ideal. However, the road to get there isn’t always the easiest. Our team at WEOKIE receives a lot of questions regarding what determines the best rates. So, in today’s blog, we’ll be shedding light on 12 factors that affect your credit union auto loan payments.