Specialty Appointments

For Wealth, Financial Counseling, and Mortgage Lending appointments, please follow the steps below.

Wealth Management

For help with retirement, rollovers, and portfolio management, call 850-505-3200 ext. 8332 to meet with a licensed Wealth Manager.

Financial Counseling

For help with your finances, schedule an appointment with a Financial Counselor.
Meet with a Financial Counselor

Mortgage Lending

For all Mortgage appointments, please call 850-505-3200 ext. 8360 or email the Mortgage Department.

Specialty Appointments

For Wealth, Financial Counseling, and Mortgage Lending appointments, please follow the steps below.

Wealth Management

For help with retirement, rollovers, and portfolio management, call 850-505-3200 ext. 8332 to meet with a licensed Wealth Manager.

Financial Counseling

For help with your finances, schedule an appointment with a Financial Counselor.
Meet with a Financial Counselor

Mortgage Lending

For all Mortgage appointments, please call 850-505-3200 ext. 8360 or email the Mortgage Department.

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Auto Loans & Car Buying

Want a new car? Free Resources to Help You Prepare

May 8, 2025

Did you know there are free resources that will help you prepare yourself for purchasing you next vehicle? PenAir has you covered!

Prep for Your Purchase

Start with a Plan

To best prepare yourself, start with a money management plan to learn what you can afford. Consider what you have available to use for a down payment and what can you afford for your total monthly expense.

Know Your Credit History

Next, review your credit and develop an understanding of how it will affect your financing for the vehicle. You can request free annual reports from each of the three nationwide credit bureaus.

Check to be sure the information is accurate, complete, and up-to-date. It’s important to do this at least once a year. If you find mistakes on your credit report, contact the credit bureaus and the business that supplied the information to get the mistakes removed from your report.

Get Answers Quickly

PenAir has the tools you need right at your fingertips.

Auto Loans for New or Used Cars

Happy family smiling and looking out car windows

Know Your Needs vs Wants

Then, tackle the remaining elements of the vehicle purchase

What type of car are you looking for?
Do you have a vehicle to trade? What’s the value?
How do you get the best deal?

Shop Around--Not Just for the Car

Shop around for financing. Dealership financing isn’t your only option. Start with banks, credit unions, and other financing companies. Get pre-approved and use that offer to negotiate with the dealership. The Federal Trade Commission (FTC) recommends calling dealerships before going to the lot.

Take a breath and go slow. Read the sales contract and financing agreement carefully. Make sure the terms you agreed to match what’s in the contract. Get answers about any fees or charges you don’t recognize.

Walk away if you’re not getting what was promised. You don’t have to take the deal if you’re not satisfied.

Check out these free resources to help you on your journey:

Money Management Planner – You work hard for the money. Know where it goes and see how you can keep more of it by enrolling in our free Money Management tool (inside Online Banking & our Mobile App).
Balance Car Loan Calculator – Calculate the payment or the purchase price, your monthly payment, and more.
PenAir Calculators – Knowing exactly “how much” or “what is” is important for your peace of mind.