Don’t miss December’s best car deals. Get pre-approved with Ascend today.

If you’ve been thinking of buying a car, December is the time to make your move. This month brings major discounts and clearance events from dealerships in an attempt to meet year-end goals. Get even more value by getting pre-approved with Ascend before you shop. You’ll know what you can afford, walk in with confidence, and negotiate without surprises. Here’s how getting pre-approved with Ascend can help you maximize the value of your next auto loan while taking the stress out of car shopping.

Know What You Can Afford
Pre-approval gives you an estimated loan rate and amount. When you get pre-approved, it helps you understand how much car you can afford and set a realistic budget accordingly.

Negotiate with Confidence
When you walk into the dealership with pre-approval in-hand, it sets you apart as a serious buyer and gives you more power at the negotiation table. According to LendingTree, the average car payment in 2025 is around $749. Buying a car is a big decision, and every little bit of preparation helps you make informed decisions that meet your financial goals.

Take Advantage of Year-End Deals
Many dealerships offer lower prices, bonus cash, or special trade-in deals at the end-of-year to move inventory. While December is a great time of year for auto loan deals, you may have to act fast. Getting pre-approved now will let you take full advantage of deals that may only be offered for a short time.

Lock in a Great Rate with Ascend
Whether you’re buying new or used, our competitive rates and easy pre-approval process will make your next auto purchase less stressful and more affordable. When you get pre-approved, you are not committing to a purchase; it just lets you take the stress out of car shopping and gives you more confidence when you walk into the dealership.

Act Fast
Don’t wait until the end of the month to start your search. Start now so you can take advantage of December auto deals quickly, letting you drive home your dream car before the new year.

Take advantage of December’s best car deals. Get pre-approved with Ascend today.