How to Finance a Used Car in Sacramento

Used cars on a lot

If you’re getting ready to finance a used car, you probably have lots of questions. Do you need full coverage on a used financed car? How many years can you finance a used car? The team at Sacramento Chrysler Dodge Jeep Ram is here to help. Not only can we help you with your financing concerns, but we can also offer you free online tools like our trade-in estimator and monthly payment calculator, both of which make car shopping from home quick and easy. Let’s dive in, and learn how to finance a used car!

Do You Need Full Coverage on a Used Financed Car?

First, do you need full coverage on a used financed car? Generally speaking, you don’t legally need full coverage the second that you drive home. Still, finance lenders and banks want to make sure that the investment is protected as soon as possible, which means full coverage is generally required by them, rather than by state law. 

The length of your coverage will depend on your loan term. When you apply for financing, you’ll obtain a loan for a certain period of time. If your loan lasts 36 months, it will take 36 months to receive the vehicle’s title. As long as the lender still holds the title, you’ll likely need to maintain full coverage. Once your loan is paid off, however, you can drop the full coverage if you so desire. 

How Many Years Can You Finance a Used Car?

You may also wonder how many years you can finance a used car in Sacramento. This will vary depending on a number of factors, including your down payment amount and your credit score. In order to get the ball rolling, you’ll want to bring the following to your meeting with the financing department:

  • Valid driver’s license
  • Valid car insurance card
  • Any supporting financial documentation (i.e. last two pay stubs)
  • Any existing vehicle documentation for your current vehicle (if applicable)

Your finance advisor will run through everything that you need to know and go over the terms of the lender, so you know exactly what you’re getting when you sign your used car loan paperwork. 

Get Expert Used Car Financing at Sacramento Chrysler Dodge Jeep Ram

Still have questions about how to finance a used car in Sacramento? Feel free to contact us at Sacramento Chrysler Dodge Jeep Ram, and our team will be happy to help. You can also stop by our car dealership in Sacramento to start shopping for your next used vehicle or even shop online!


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