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When shopping for a new set of wheels, your first stop should be right here, at Wasatch Peaks. Though many people start their process on the dealer’s lot, you’ll enjoy a lower rate, a simpler loan application and other benefits by choosing to finance your car with your credit union.

1. When you don’t need it. It can be dirt cheap, but you’d still be wasting money to buy something that is not necessary.
2. If it will spoil before using it. That’s just money in the garbage— literally—even at a bargain price.
3. When the “sale price” isn’t really a sale. Sometimes, the “sale price” is actually the highest the item’s ever been sold for at this location.
4. When it’s part of a liquidation sale. Such sales tend to be riddled with rip-offs.
5. When you’re paying the BOGO price. This is sort of like #1 and #2 combined. If you only need one or cannot consume the second one, you may be paying extra for no reason.

It’s back-to-school season and you’re just about ready to zip that backpack closed before tossing that supply list into the trash. You’ve been shopping for weeks to get the right pencils and pens, binders and the dozens of other must-haves. This, of course, is in addition to the perfect school shoes and autumn wardrobe. But now you’re done, done, done! Your sanity and your budget are ready for a breather — at least until the holiday shopping season starts.