Credit unions, for example, have actually increased the number of loans granted, especially able to do so because of their conservative practices that have allowed them to lose most of the subprime mortgage fiasco in recent years. This also allowed them to borrow at around one percent lower than most banks. This is especially true for auto loans because some large credit unions have joined forces with a couple of large auto companies, General Motors and Chrysler, in the Invest in America program. Buy a new car and get a discount if you finance it. These discounts can range from 0- $ 1,500 and the incentives of any other manufacturer will be added. To check if you qualify Go to the preferred credit union checkout, check and then tell your retailer that you want to use the program.