Here at Elhart GMC, we are proud to employ a highly-trained finance team that is eager to assist with your auto loan needs! Our loan professionals have years of experience when it comes to helping drivers secure aggressive auto financing terms, and we look forward to assisting you as well. Regardless of if you are a first-time car buyer, possess a less-than-perfect credit score or you are a driver with a perfect credit rating, we are here to help.
1. Your Budget
Many drivers focus on what they want their monthly payments to be, which can lead to a longer loan term. That means there is the potential for a lower monthly payment, but you'll make more payments - and probably more interest - than what you would with a shorter loan term.
Our GMC dealership suggests focusing on the overall cost of the vehicle you're interested in. We can assist with down payment determinations to help you lock in that shorter loan term; simply reach out to us today to discuss your overall budget. We'll customize a new GMC or used car shopping plan that meets both your requirements and your lifestyle!
2. Your Credit Score
If you have a pristine credit rating, you may qualify for highly competitive terms. If, however, there are a few financial mishaps on your credit report, you may be presented with options that have higher rates. Either way, it's best to be equipped with credit score knowledge. While a new car is very tempting, it may not be a practical choice for drivers with sub-prime credit scores. Rather than taking on payments that will stretch you financially, it may be best to opt for one of our like-new quality used cars for sale and work to rebuild your credit score.
Once you've established a history of making payments on time, your credit score will improve. Then you can come back to see us in a year or two and upgrade to that new GMC Canyon you have your eye on!
3. Are You Buying Or Leasing?
There are benefits to buying and benefits to leasing, so how do you know which option is right for you and your current situation? Before getting started with our online loan application, check out the information we've made available on these two options.
You can also drop by our convenient Holland, MI, location to discuss the differences between buying and leasing in person. Our sales and finance teams look forward to providing you with all of the information you're looking for so that you can make informed vehicle decisions!
To start the auto loan process, simply complete and submit our secure car loan application. Once you let us know you are interested in securing a car loan, we will review your financial history to discover the landmarks that led to your unique credit score. We will then follow up with you to inform you of the financing plans we have put together for you. Our form comes with no obligations to finance through our GMC dealer, but we're confident that once you see the types of plans that you may qualify for, you'll want to move forward with our professional assistance!
If you're interested in discussing your loan needs in person with one of our experts, we encourage you to make your way over from Grand Rapids to see us at any time during our business hours.
Our helpful associates are eager to review the loan process with you. We'll aggressively negotiate competitive rates and terms on your behalf that not only get you behind the wheel of a sleek new or used automobile but leave you feeling satisfied. We work with many loan lenders and have a high rate of approval even when it comes to credit-challenged financing, so don't hesitate to get the financial assistance that you deserve.
Discover the assuredness that comes from knowing your car loan needs are being looked after, team up with our Elhart GMC finance team. We'll help you get the interest rates and the new or used GMC vehicle you're looking for!