Used Car Financing Overview

How Financing Works

Financing is essentially a long-term payment plan for your used car. It starts by negotiating a monthly rate, an annual percentage rate (APR), and a down payment. These terms vary based on how much the car costs and what kind of auto loans you qualify for.

Auto loans are usually based on your credit score and your credit history. Once you’re approved for an auto loan, you’ll make a down payment. After that, you’ll start making monthly car payments until you’ve paid off the full value of the car.

The APR is essentially the interest rate on your loan, which is factored into the number of months on your auto loan. However, if you want, you can pay more than the minimum amount each month and pay off your car sooner.

Guidance Every Step of the Way

If you decide that financing is the best option for you, your next step will be to sit down with one of the experts in our finance center. They’ll walk you through the financing process, answer any questions you may have, and help you get behind the wheel.

Our experienced team is committed to making the process as easy and as exciting as we think it should be. They’re also dedicated to helping you get a good rate. They’ll even negotiate with local banks and lenders on your behalf to make sure you get the kind of options that work for you.

Financing Tools & Resources

In addition to our friendly financers, we offer resources that you’ll find useful, no matter where you are in your car-buying journey. For example, our payment calculator is a great tool to use when you’re just starting out. It lets you play around and figure out which rates and terms will work for you.

On top of helping you determine your budget, we also feature a Value Your Trade tool that can give you a quick estimate of your current vehicle. Just enter the license plate, the VIN, or the make, model, and year, and it’ll generate an estimate for you in no time. Once you know which used car you want to buy, you can put that value towards the purchase of your new car.

Plus, we believe that every driver and every family is entitled to a dependable car or SUV. That’s why we offer an exciting selection of used car specials. They’re an easy way for you to save on the vehicle that’s going to be new to you.

Feel free to browse through our used car inventory before you come in and sign on the dotted line. Our specials change frequently, so if you don’t see one for the used car that you’re interested in, check back again soon.