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Financing Made Easy

What is the most stressful and overwhelming part of buying a vehicle? Undoubtedly, it’s navigating the financing process. As veterans in the industry, we know this firsthand, and we opened our dealership in 2007 to offer our customers an alternative, unique, rewarding, and exciting experience. That means doing things differently, particularly when it comes to the purchase process.

We want to set you up for success in the driver’s seat, so we make financing easy at Automax Truck and Car Center. Our goal isn’t simply to sell you a used car, truck, or SUV but to build a meaningful relationship with you. We want to learn more about what you expect from your vehicle and your must-haves. From there, it’s our job to bring your automotive dream to life and ensure your purchase aligns with your budget and financial situation.

Knowing Your Purchasing Power

There are two ways to buy a vehicle: pay cash or finance your purchase. Paying cash is the most straightforward but is also the least popular because it involves paying the total cost of the vehicle upfront. In most cases, a large amount of money isn’t readily available to customers, or if it is, they don’t love the idea of draining their savings or emergency funds. Those who prefer to pay cash immediately own the title to the vehicle and don’t have to worry about making monthly loan payments with interest.

Financing is far more popular because it gives customers the opportunity to buy a vehicle with little to no money down. Instead of paying the total purchase price upfront, you rely on a lender to cover the amount as an “IOU.” The lender charges an interest rate for the loan, which you’ll repay in monthly installments until the loan is satisfied. Depending on the terms of the loan, you may have lower monthly payments but pay more in interest because the loan is longer or pay less interest and higher monthly payments on a shorter loan.

Credit Scores and Pre-Qualification

We work with all types of credit, meaning you don’t have to worry if your credit score is low or you haven’t yet built a strong credit history. However, we encourage you to get an idea of what your credit score is by using free tools like CreditKarma and Equifax and working through the pre-qualification process. Getting pre-qualified gives you a better idea of how much you can afford to spend on a vehicle without negatively impacting your credit.

Financing and Trade-Ins

When you find the perfect used car, truck, or SUV on our lot, what do you plan to do with your current vehicle? Ideally, you’ll use your current vehicle as a trade-in with your next purchase. Think of a trade-in as a way to potentially reduce the purchase price of your next vehicle, meaning lower monthly payments and more money in your wallet.

Let’s say that we offer you $5,000 for your current sedan and that you hold the title or own it outright. You have $5,000 to put toward your next vehicle, allowing you to stretch your budget. Alternatively, let’s say that the $5,000 vehicle still has $1,000 left on the loan, giving you $4,000 to apply toward your purchase. Either way, it’s money that positively impacts your shopping experience and the finance process.

Kickstart the Process Today

Are you anxious to get behind the wheel of your next vehicle? You can kickstart the process today by getting pre-qualified and pre-approved for financing. Our online finance tools give you the freedom to arm yourself with the knowledge to shop confidently and make an informed purchase. By gathering this information ahead of time, it’s only a matter of finalizing the details once you find the perfect used car, truck, or SUV on our lot.