Hi, I am from Georgia, I just moved to the states two months ago and still looking for several SUVs due to the crazy markup price. What car should I purchase within a 30k budget…? I will purchase by cash cause I do not have a credit. Also, this is the first time of buying a car here… I really need …

Thanks for explanation…! Usually how to initiate process with them? Should I search on web? I do not even know how to start… thanks!!

You can probably hop on Google or yelp and just search for credit unions in your local area. They’re also often related to nearby universities, employment groups, etc @RVguy might be able to help with some of the credit unions he works with

A broker is someone who connects buyers with sellers. The seller being a car dealership.

Thank you so much!! Btw what do you mean by they are related with universities?

Aha! Then is it common to have broker? Or consult banks and credit union by themselves and goes to dealership?

Start by googling “credit union” with terms related to where you live and work. For example if you lived in Atlanta and worked at Coca-Cola, you’d try: Credit union Atlanta GA Credit union Fulton County Georgia Credit union Coca-Cola employees Etc.

Brokers are fairly common here. They help by prenegotiating the deal with the dealership. Financing will be separate (although they usually can at least point you in the right direction). What is often a good idea is to pre-qualify with a credit union for financing before agreeing on a deal with a …

Thank you so much for detailed explanation. Then it seems that having a broker is good way to start. Is there a fee for making broker contact dealership for me? How much it will be usually…?