You’ve found the right model for you and have taken it out on a test drive. All that’s left is to find a used car finance plan that works for you. When you talk to our team at Blaise Alexander Chrysler Dodge Jeep® RAM of State College, don’t forget to ask these essential questions so we can customize your financing plan for your pre-owned vehicle needs.
Do I Need a High Credit Score for Financing?
Your credit score is one part of the equation that calculates your financing offers, but there’s no hard-and-fast rule as to how high it needs to be. Our team works with drivers who are recovering from poor credit, so talk to us to find out what types of offers to expect. You can always check for pre-approval from your home with our online application.
Do I Need a Down Payment?
You don’t always have to make a down payment with a used car, especially if you have strong credit. In addition, one of the main reasons customers make a down payment on new cars, staying ahead of depreciation, doesn’t apply as much to used cars. However, making a down payment is still a good idea, as it helps lower your monthly payments and total interest.
Can I Add a Co-Signer for a Used Car?
If your credit isn’t strong enough for you to finance on your own, you can add a cosigner, just like with a new car. The financier will consider your credit histories together, giving you a boost, but your cosigner will be on the hook for any missed payments. It’s a good idea to work out an emergency plan in case you have trouble keeping up.
Get Used Car Financing in State College, PA
Find your next used car and apply for financing at our distinguished State College, PA used car dealership. Talk to our team about your driving needs and find the perfect car for you. Take a test drive on the open road, then talk to our team about used car financing today!