Finance Your Dream Car Near Clifton

Young happy couple sitting inside of their new car and giving each other high-five

You’ve found your dream car, and now you need to finance it. Financing through a car dealership near Clifton provides benefits you won’t get if you go through a credit union or bank. Let’s go over some of the top reasons people choose to finance through the dealership.

Access to a Network of Lenders

Car dealerships have networks of lenders that they can use to find the right loan for your needs. Because of that, they can secure financing for you, even if you have poor credit. On the other hand, if you have excellent credit, they can use the network to find you a great rate. Having access to a whole network of lenders makes it much easier to find a loan for all credit styles and needs. You can’t expect that kind of service through a credit union or a bank. You’re more likely to get denied if you have some credit issues, and you might not get the best deal, even if you have superior credit.

More Convenient

If you’ve ever financed a car loan from a bank or credit union, you know it can be a hassle. You have to stop by the bank or credit union to sign the papers and then go to the dealership. If you decide to buy a car at the end of the day or on the weekend, you might have to wait until the next business day to get approved. If you already have your dream car in mind, waiting isn’t ideal.

Fortunately, you can complete the entire process at the dealership, even if it’s at the end of the day or on a Saturday. If you want to drive home in your new car today, consider financing through the dealership.

Finance the Entire Car

Your bank or credit union might require that you put down a large down payment when getting an auto loan. Fortunately, dealerships are often willing to finance the entire amount of the car. If you don’t have extra money for a down payment, it makes sense to go with a dealership.

Keep in mind that you can trade in your vehicle when you use a dealership. Then you can use the value of the trade to go toward the new car. That means you can still reduce the amount that you finance. However, you won’t be obligated to add extra funds to get approved.

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Flexible Loan Options

You will also like the flexibility you receive when you finance through a dealership. Dealerships are willing to offer loans for longer periods than most banks and credit unions. That way, you can have low monthly payments. On the other hand, you can expect short loan terms and high monthly payments if you finance through a bank or credit union.

Financing is easy with Garden State Honda in Clifton, New Jersey. We even have financing options for customers with poor credit histories. You can find your dream car on our website and then apply for financing. Once you’re approved, head over to the dealership to sign the paperwork and drive your vehicle home.

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