Making a good deal on a new car is a top priority for most drivers, particularly drivers who have long-term car ownership goals. Fortunately, car financing is easy at your local Kia dealerships, where a dedicated finance team will help you find the most attractive auto loan offer for your budget. Let’s check out four measurable benefits of getting car financing through your Kia dealership.
1. Special Deals and Offers
At the dealership, you can often strike a deal on the price of your new car. During certain times of the year, your local dealership may be incentivized by the manufacturer to offer certain models at lower prices to make room for incoming inventory, such as end-of-year sales. As a buyer, this means a brand-new car may be sold at a modest discount, which reduces the sticker price and the amount of money you need to borrow.
Your dealership can even work with you on a trade-in deal. A trade-in deal happens when you essentially sell your old car to the dealership for its current value, which can then be used to offset the cost of your new car. Even if you’re buying a used vehicle, you can use a trade-in deal to reduce the price of the vehicle. Some drivers even use a trade-in deal in place of a down payment.
2. Loans for Poor Credit
Financing through your local dealership is more forgiving than traditional financial institutions. While a bank or credit union might not be willing to work with you because you have poor credit, your local dealership can usually find a partnered lender willing to offer you a competitive auto loan. This is an ideal solution for people recovering from bankruptcy or those who are trying to build better credit for the future.
3. Flexible Loan Terms
The auto loan terms offered by your dealership are often more flexible than loan terms from other lenders. At the dealership, you can typically negotiate for an auto loan ranging anywhere from 48 to 72 months, or sometimes even longer. A longer loan term means a lower monthly payment that can be more affordable if your budget is tight.
4. Faster Finance Process
Finally, the financing process is much faster at the dealership. You can apply for loan pre-approval online so you know what you can afford before you go car shopping, and once you find a car you love, you can usually finalize your finance plan and drive off the lot with your new car on the same day. Dealership financing is vastly more convenient than auto financing through a bank, credit union, or other financial institution. At the dealership, you get the benefit of flexible finance plans that suit your unique circumstances. Get in touch with Auffenberg Kia in Shiloh, IL to learn about financing offers.
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