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Financial and Lifestyle Resources for Vermont

VSECU Blog

In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.

Joshua Dobrovich

Joshua is the consumer lending team lead at VSECU. He supports the consumer lending team in all areas of the lending process and helps members obtain credit and financing to achieve their personal goals. Joshua has an extensive background in automotive. He has been the service manager and, most recently, business manager at The Automaster Honda in Shelburne VT. Joshua and his partner Jennie have two awesome daughters Kyla and Rylin and live in central Vermont.

By: Joshua Dobrovich

February 2nd, 2021

Your Starter Guide for Buying a Used Car

Auto Buying

Whether you’re traditionally a new car buyer or looking for a used car that will last longer, there are affordable and reliable options out there for you. This is your starter guide for shopping for a pre-owned vehicle—what to look for, what questions to ask, where to buy from, and more.

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By: Joshua Dobrovich

December 9th, 2020

Why and How to Buy Out a Lease on Your Car

Auto Buying

If you’re looking for your next car, you may have noticed that car inventory is low. If you’re currently leasing your vehicle, you may have more options at the end of your lease than you think. In fact, the best car for you may be the one you already have. Enter the lease buyout. With used cars retaining their value these days, here is what you need to know about this often-overlooked car buying option—when it makes sense, what to consider, and how to do it.

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By: Joshua Dobrovich

October 1st, 2020

Why Finding the Best Interest Rate on a Car Loan Isn’t So Important

Saving and Budgeting | Auto Buying

If you’ve ever purchased a vehicle, you probably know that you can spend almost as much time shopping for rates as you do picking out your new car. But what if I told you that you didn’t have to spend so much time finding the best interest rate? Yes, sometimes getting the lowest interest rate is extremely beneficial when it comes to your car payments. A difference of a couple of percentage points—0.9% compared to a rate of 3.9%, for example—can lead to huge monetary savings on your auto loan in the end, particularly on a higher-cost vehicle. However, often times, focusing on the interest rate does more harm than good.

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By: Joshua Dobrovich

September 15th, 2020

Five Tips for Buying a Car with Bad Credit

Saving and Budgeting | Auto Buying

Do you want to buy a car but worry that your bad credit will make it impossible for you to get financing? Bad credit can certainly create challenges for the car buyer, but it does not necessarily mean you’re out of luck. You may just need to take a few steps to prove to a lender that you are a trustworthy borrower.

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Joshua Dobrovich

May 3rd, 2017

The Nine Worst Things to Do at the Car Dealership

Saving and Budgeting | Auto Buying

How you handle yourself at the car dealership can make a difference in the price you get when buying a car. Here are nine things you DON’T want to do at the car lot.

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