What If My Credit Isn’t Perfect?

You’re still welcome to apply.

Credit history is one part of an auto loan application, but lenders may look at several other factors too. That can include income, debt, down payment, the vehicle being financed, loan amount, and other parts of the application.

Our finance department works with customers across a range of credit situations, including people who are still building credit or working to improve it.

Approval isn’t something we can promise before an application is reviewed, but you also shouldn’t assume you don’t have options without checking first.

If you’re unsure where you stand, completing the online finance application gives us a place to start.

Have a Vehicle to Trade?

A trade-in can make a meaningful difference in the amount you need to finance.

If your current vehicle has positive equity, that value can be applied toward your next purchase. If you still owe money on it, we can factor the payoff into the conversation as well.

You can start with our trade appraisal tool before visiting.

Mileage, condition, equipment, market demand, and any remaining payoff can all affect the final value, so an in-person appraisal may still be needed before everything is finalized.

Should I Finance Through the Dealership or My Bank?

There isn’t one right answer for everyone.

Some shoppers like getting pre-approved through a bank or credit union before they ever start looking at vehicles. That gives them a rate and loan amount to compare against other options.

Others would rather let our finance team handle the process and see what may be available through multiple lending sources.

If you already have a pre-approval, bring it with you. There’s nothing wrong with comparing it against the financing options available at the dealership and deciding which one makes the most sense.

Manufacturer-sponsored financing programs may also be available on certain new Chrysler, Dodge, Jeep, or Ram vehicles from time to time. Those offers change, and eligibility can depend on the model and buyer, so it’s better to check the current program than rely on an old advertised rate.

Financing a New Chrysler, Dodge, Jeep, or Ram

Different vehicles can come with different finance or lease programs.

A Ram truck may have one offer while a Jeep Grand Cherokee, Chrysler Pacifica, or Dodge vehicle has another. Incentives can also change throughout the year.

That’s why we recommend starting with the vehicle you actually want and then looking at the financing tied to it.

Browse our new inventory and let us know if something catches your eye. We can help you look at the current numbers from there.

Financing a Used Vehicle

Financing isn’t limited to new vehicles.

Our pre-owned inventory can include cars, trucks, SUVs, and vans across a wide range of price points.

Used-vehicle financing can vary based on things like the age of the vehicle, mileage, purchase price, loan amount, and lender requirements.

If your biggest concern is staying under a certain monthly payment, tell us that early. Sometimes it makes more sense to start with the budget and compare a few vehicles than to choose a vehicle first and try to force the payment to fit afterward.

Auto Financing Near Salem, Lisbon, and East Palestine

Our dealership is located at 100 Commerce Circle in Columbiana, making us convenient for drivers from Salem, Lisbon, East Palestine, Leetonia, New Waterford, and other communities throughout Columbiana County.

You don’t need to have everything figured out before you visit.

Bring your questions. Bring a trade if you have one. If you already have financing arranged, bring that too. We can sit down, look at the numbers, and help you understand the options available for the vehicle you want.