When it comes to buying a used car, you may have a lot of questions, especially when it comes to financing. Our team at Century Automotive is here to answer all your questions to ensure you have a confident and simplified car-buying experience.

We promise to support our Huntsville, Florence, and Cullman, AL, drivers every step of the way, so reach out to us today if you're interested in learning more about financing a used car.

How to Finance a Used Car

When you're financing a used car, you have two options available to you. You can either pay the total amount of the vehicle or break it down into monthly payments. Financing a used car can help you get the features you're most interested in when it comes to your next ride.

There are many benefits to choosing to finance a used car, since you won't have to pay the full amount up front. Reach out to a member of our team to learn more and discuss the various plans available to you.

Vehicle Financing Tips

Financing your vehicle can be made even easier with the following tips:

Learn Your Credit Score

The most important step in financing a vehicle is to discover your credit score. Some credit card companies provide you with a monthly score on your statement, or you can use a third-party site. Finding out your score early on in the financing process allows you ample time to make any corrections, so you can feel confident you're getting the best rate available to you.

Make a Down Payment

A down payment on your vehicle helps to lessen the amount of time you're taking the auto loan for, therefore saving you money. It's recommended your down payment should be 20 percent of the vehicle's total. For example, if you've chosen a $10,000 ride, you should put down $2,000.

Choose a Short Term

As noted, a shorter finance term means less interest over time leading to more money in your pocket. A short term also means you'll own the car sooner, creating more freedom and the ability to sell your car whenever you'd like.

Consider a Co-Signer

A co-signer is a great option if you're not happy with your credit score. A co-signer needs to be someone you trust completely, since they're responsible for paying your monthly rate if you're unable to. Choose someone you're related to, or a spouse.

Pay on Time

After you've chosen a finance plan and made a down payment, it's essential you make your monthly payments on time. Late payments come with added fees that make it harder for you to pay off your vehicle over time.

Finance a Used Car Today!

Ready to find a great used car? Sit down with a member of our sales team at Century Automotive to explore your options and then meet with one of our financers to customize your plan. We're here every step of the way to offer the support you need to hit the streets of Huntsville, Florence, and Cullman, Alabama, with confidence.

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Century Automotive Group

3800 University Dr NW
Directions Huntsville, AL 35816-3166

  • Sales: (888) 713-4061
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  • Parts: (888) 716-1261


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