Finding car financing is one of the most stressful aspects of purchasing a new or used vehicle – but you can make it a little less stressful by applying for financing through Harbin Ford Scottsboro. When you get dealer financing, it comes with benefits that suit a wide range of buyers. Check out some of the key benefits below:
1. Convenient Online Application Process
Not everyone has time in their busy schedule to go from bank to bank and credit union to credit union searching for a loan with great interest rates. When you apply for financing with Harbin Ford, you can do it all online and save yourself a whole lot of time. It doesn’t take long to find out whether or not you can get financing through our dealership – which is great if you’re in a hurry to know if you’ve been approved for a loan!
2. Unlimited Car Options
Banks and credit unions often limit your options when it comes to picking out your new car. This is because they have dealers in their network that they work with regularly. You may be required to pick a car from one of those dealers. This limits your options, and it can be really disheartening if you already have a car picked out and discover that none of the lender’s approved dealers have that car in stock.
When you search for a dealer first, you can make sure that dealer has a few cars that you’re interested in buying. Then you can apply for financing through that dealership, so it doesn’t matter whether that dealer is in a bank or credit union’s network or not. You can get the car you want as well as the financing you need.
3. Great Deals for High Credit Scores
If your credit is in excellent shape, then you may qualify for a special low-interest-rate loan with your local dealership. Dealers sometimes run promotions that only people with the best credit scores can qualify for, and these promotions lead to you getting a loan with very low interest rates. Sometimes the promotions allow you to get a loan with absolutely no interest to pay back.
4. Fantastic Option for Low Credit Scores
Banks aren’t big fans of low credit scores, but dealers are more forgiving. If you don’t qualify for a loan through a bank, credit union, or another online lender, then you should still put in an application with your local dealer. You may qualify for financing with them.
Apply for financing online or come and do it in person at Harbin Motor Company in Scottsboro, AL. Our financial department will be happy to walk you through any concerns you may have about the process.
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