First, do your homework.
You want to be confident about what you want to buy, so review the history and ratings on the vehicle or watercraft you’re interested in. Then check the value so you know how much you’ll have to pay. Review websites like the ones below to learn more about your upcoming purchase.
NADA Guides for Autos
Kelley Blue Book®
NADA Guides for Marine
NADA Guides for RVs
The best way to negotiate the lowest price is to get pre-approved—it’s like walking up to the seller with a pocket full of cash. An aggressive seller will negotiate to move the vehicle quickly and may reduce the price, knowing you’re ready and able to buy.
Apply for your loan.
Your nearest Midland States Bank office is ready to help with your application. Plus, we’ll get back to you fast—the same day in most cases—so you’ll know how much you can afford.*
Shop with buying power.
Now that you’ve done the first three steps, you can shop with confidence knowing what you want to buy has a quality rating, at a value you’re willing to pay—and you have money in hand to negotiate the best price.
*Same day loan decisions require receipt of a completed application and at least one hour processing time prior to the close of a business day, which excludes weekends.