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Buying a new car can be a stressful experience. Sure, there are fun parts to it, like picking out an exterior color or choosing options like heated seats and a sunroof. But things like navigating how the car finance process works? That can be stressful. You might be wondering what car financing is, whether or not you can trade in a car with an outstanding loan, or even how to calculate an affordable monthly payment. Here at Sacramento Chrysler Dodge Jeep Ram, our team of dedicated Chrysler, Dodge, Jeep, Ram finance experts is here to help you with all your questions!
Want to get to the bottom of the question, “How does car financing work?” You’ll first need to know what it means to finance a car. In other words, you’ll want to know what car financing is. In essence, financing is just a way to pay off the cost of your vehicle, stretched out over a period of time (usually 24-84 months), plus interest. When looking into financing a vehicle, the first step is to complete a finance application through the dealership, a bank, or a credit union. Factors that the lender will weigh when processing your application include:
Do you have low credit or poor credit history? Consider asking someone you know and trust to cosign your loan. Looking for more information on what credit score is needed to finance a car? We can help!
If you are approved for several loans, you might have a few different options to choose from. For instance, it may benefit you to compare loans you get from credit unions and banks against loans you might get from our finance center. Rest assured, though, here at Sacramento Chrysler Dodge Jeep Ram, we’ll do our best to work with you, even if you have bad credit, to get you approved for a loan that works for your situation.
Ready to finance a used vehicle or new vehicle we have for sale near Folsom or Elk Grove? Before you finalize the terms of your auto loan agreement, you’ll want to negotiate the vehicle price. Then, you can try to negotiate interest rates. Use our easy online payment calculator in advance, so you have an idea of how to play with things like down payment, loan term, interest rate, and more, to come up with a monthly payment that works for your budget.
Ready to learn all there is to know about what it means to finance a car, paying off a car loan early, how to buy a car in another state, and how car financing works? Don’t hesitate to contact us today here at Sacramento Chrysler Dodge Jeep Ram! Conveniently located close to Roseville, we are here to help you with all of your automotive leasing and financing needs while answering any of your questions. We can’t wait to make affording your dream car a reality for you!
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