Connect with an Ascend loan specialist at 800-342-3086 or visit our webpage to explore your options or start an application. 

As dealerships begin to make room for new model-year vehicles this fall, you may find opportunities to save on model-year-end vehicles, making it a great time to start shopping for your next car.  

Whether you're eyeing a new vehicle or carrying a car loan with a rate you haven't checked in a while, the right financing can be just as powerful as the right timing. Ascend is here to help with both. 

Why Model-Year-End Sales Matter 

As new inventory arrives, dealerships often look to move outgoing models off the lot, which can mean more room to negotiate on price. Shopping during this window may put you in a stronger position, especially if you get pre-approved first. 

Getting Pre-Approved Before You Shop 

A pre-approval from Ascend can give you a clear budget and more confidence at the dealership, letting you negotiate from a position of knowledge rather than guesswork. As a plus, once you find the right car, you can move quickly on it. 

Auto Loan Refinancing: An Overlooked Opportunity to Save 

If a new car isn't in the plans right now, refinancing an existing auto loan may be worth a look. Depending on your situation, refinancing a loan you have with another lender into one with Ascend could help lower your rate, reduce your monthly payment, or shorten your loan term. Here’s a few signs that now is a good time to explore refinancing: 

- Your credit score has improved since you took out the loan. 

- You're not happy with your current rate. 

- Your financial goals or budget have changed. 

Applying Is Simple 

Whether you're financing a new vehicle or refinancing your current one, we make it easy to get started.  

You can apply: 

- Online 

- By phone at 800-342-3086 

- In-branch 

No matter where or how you choose to apply, our team is on hand to help guide you through the process.