Buying a new car typically means taking out a car loan. For most people, this means applying with a bank or other credit lender to attain the necessary financing. Your credit score and income level will determine how much you can borrow as well as your interest rates. For this reason, shopping for a lender with the right terms is just as important as shopping for the new car.
With that said, getting a loan from a bank isn’t the only financing option available to you when looking to buy a car. You can also take out an auto loan directly from your dealership. Buy here, pay here dealerships set their own terms and don’t have to get approval from a bank to grant you your car loan. As such, partnering with in-house financing dealerships may actually be the simplest way to get your car financed.
The Benefits
1. You can get a car loan regardless of your credit
It's not easy to get approved for a traditional car loan when you have rough credit. For one, you'll have to raise enough money for a substantial down payment and still have to contend with high-interest rates. Even the slightest of credit issues can result in a denial.
In such cases, you'll find that your local car dealership is more lenient when it comes to your financial background. Whether you have little to no credit or a challenged credit history, your dealership will have a financing option that works for you. What’s more, because these dealerships set their own terms, they can customize their loan offering to each individual customer’s unique financial situation. This way, you’re assured of an affordable loan offer.
2. Flexibility
The best dealerships offer various financing options to choose from. Compared to traditional bank loans, you have more flexibility when it comes to loan terms, interest rates, down payment amounts, and even amortization plans. This flexibility may also extend to payment options as well, for example, if you would prefer to make payments bi-weekly rather than once a month. Depending on your repayment history, there’s a good chance your dealership would be happy to adjust your payment plans.
3. Quick and convenient
Applying for in-house financing means easier qualification requirements and faster approval times. Because there are no third parties involved, the approval process is completed entirely at the dealership, which means you can get approved for a loan instantly. In-house financing dealerships in Utah are a one-stop shop – you can easily get a car loan that allows you to rebuild your credit to optimal levels without the hassle of going through a bank.
What to Look Out For
Sometimes the deal may be too good to be true. So here are a few things to watch out for when evaluating in-house financing dealerships in Utah.
● Stay away from any dealers that are too focused on selling you one particular car. A trustworthy dealership will offer you a selection of vehicles to choose from.
● They offer a warranty, no matter what.
Struggling to find an auto loan?
Get in-house financing with Rocky Mountain Motor Cars in Utah! Our team will craft a financing package that's in line with your budget so you can get behind the wheel of your dream car. Give us a call when you're ready to get the process started. We're a customer-first dealership, so you're assured of great service and financing.
All Locations
| Mon: | 9:00am - 8:00pm |
| Tue: | 9:00am - 8:00pm |
| Wed: | 9:00am - 8:00pm |
| Thu: | 9:00am - 8:00pm |
| Fri: | 9:00am - 8:00pm |
| Sat: | 9:00am - 6:00pm |
| Sun: | Closed |
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