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Around 80% of Americans utilize auto loan financing to purchase their automobile. Whether you have your eye on a new vehicle for Orange City commutes, a used vehicle for errands, or a certified pre-owned vehicle for your new teenage driver, an auto loan can land you a car, truck, or SUV to meet your needs.
Our guide talks about how car finance works, so you can shop for an automobile like a pro at Ver Hoef Automotive, Inc.. You’ll learn what it means to finance a car when you purchase one from our lot.
The first thing to know about how car finance works is to apply for financing. You can find an auto loan through a bank, credit union, or our dealership. You can settle with one that gives you the best terms. Applying for a loan through us lets you pre-qualify for an auto loan through many lenders we have relationships with. We’ll go to bat for you to try to find the best rates.
When learning how car finance works, here are some factors that will determine your final monthly payment and loan terms:
If you have less-than-ideal credit or no credit, consider asking a family member to co-sign a loan. What it means to finance a car in this way is that the person who cosigns a loan will also be responsible for making payments if you cannot.
If you’re approved for a loan, you could have multiple options. Choose one that makes the most sense to your financial situation. Examine your down payment amount, any trade-in, and the monthly payment you could make. Look closely at your finances before signing on the dotted line.
You can negotiate the terms of the loan and the price. This is another aspect of what it means to finance a car. Once both sides settle on the loan term, you can close the deal. You’ll sign all the necessary paperwork, take delivery of the vehicle, and drive home with your new or new-to-you vehicle.
Contact us or call (712) 888-1077 to talk to our team. We’re happy to help in any way we can. In the meantime, use our payment calculator to develop a monthly budget for your purchase.
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