What Do I Need to Finance a Used Car?

Are you interested in financing your next used car near Huntsville, Florence, or Cullman, Alabama? The Century Automotive team would like to offer you some assistance by providing the following information.Read on to begin preparing for your car-buying journey. 

Get Your Credit Score

Knowing what your credit score is before beginning the process of purchasing a car is important. It will give a better idea of what your interest rate and loan terms will be. If you're not happy with your credit score, there are things you can do to improve it. Some of these are listed below:

• Pay your bills on time: Being prompt about paying bills presents you as being financially responsible. 
• Pay off your debt: When you pay off any debt you have, and your credit card balances are at a controllable level, you're showing that you can manage your debt.
• Do not close unused credit cards: Keeping credit cards open that you no longer use helps your credit score because it increases your available credit and extends your credit limit.  

Do the Research

Next, check sources like Edmunds and Kelley Blue Book to determine the current market value for the vehicle that you want to finance. This will help when it comes time to work out a deal. 

Applying for a Used Car Loan

Often, you can apply for a used car loan on the lender's website. Questions you will encounter while you're filling out the forminclude how much money you owe and what amount you will be borrowing.

Our Finance Department

If you decide to finance your next used car through us, you will be pleased to know we have a knowledgeable team of specialiststhat will be at your disposal. One of these experts will take the time to carefully walk you through each step of the process to make sure you have a firm understanding of all your options. 

Be Sure to Utilize Our Online Resources

• While you're getting ready for your visit to our dealership, we encourage you to take advantage of the tools we have provided for you online. These are as follows:Value Your Trade: If you're planning on trading in the car you're driving now, the Value Your Trade tool will help you determine how much you're getting back to use toward a down payment. 
• Payment Calculator: The Payment Calculator lets you narrow down your options according to what the cost will be monthly. 
• Finance Application: Filling out the Finance Application will give you a head start on the entire process. 

We Can Start Whenever You're Ready

We've just discussed some of the basics when it comes to financing a used car. If you found this information useful and would like to put it to use, visit or contact us at Century Automotive to see if we have the right vehicle in stock that will fit your particular lifestyle.

We're proud to be a one-stop automotive destination for drivers all over Cullman, Huntsville, and Florence, Alabama.