SERVICE & PARTS
Welcome to our finance center at Performance Chrysler Jeep Dodge Ram Centerville. Our team of dedicated finance professionals is here to answer all your questions and help you through the process of securing an auto loan. Whether you’re looking to buy a new or used car, truck, or SUV, we’ve got the tools and knowledge to take the hassle out of applying for auto financing in Ohio. Give us a call at (937) 434-9500.
Securing a competitive auto loan that meets your needs can make a huge difference to your monthly budget. A lower interest rate can mean that you save significantly on the payments you make over several years. That’s why it’s so important to talk to a finance professional about your loan options and financial circumstances before going ahead with an auto purchase.
Here at Performance CJDR Centerville, we like to keep the whole process as straightforward as possible. We’d much rather that you focused on choosing your favorite Grand Cherokee, Ram 1500, or Dodge Charger than worrying about filling out a lot of paperwork. All you need to do is provide some basic personal information through our online finance application and one of our staff members can get to work looking for the best deals out there for you.
We have extensive partnerships with loan companies and financial institutions in the local area and nationwide. These connections allow us to access great deals to suit a broad range of customers, from those with great credit scores to people who are struggling to get approved.
We can help you to secure a loan for a car or SUV in our new vehicle inventory. We also can process applications for used car financing. Purchasing a used car can be a more affordable option than opting for the newest model. Some people find that due to the money they save, they can afford a more upscale trim or a larger vehicle if they buy used instead of new. We can also discuss including the cost of one of our service department’s competitively priced vehicle protection plans in your loan.
When you apply with us, we can pre-approve you for financing. What this means is that you get an offer to loan you a particular amount of money. With this commitment, you can shop with confidence because you know what your budget is. Once you find the vehicle you want, we can finalize your auto financing details based on the pre-approval you already obtained.
Generally, the loan terms you get won’t differ significantly from your pre-approved offer. To help ensure that this is the case, it’s important to provide accurate information on your application form and follow up with the documents we request when it comes time to finalize your loan deal.
We’re delighted to offer our services to all customers, including those with bad or no credit. Our finance team has built up extensive experience working with first-time buyers and other people who can’t get approved for a typical auto loan, and we know how frustrating it can be. So don’t think twice about contacting us because your credit score is low. After you’ve explained your situation to one of our team, we’ll do our best to set you up with a payment plan that works for you.
If you’re concerned about what you can afford, take a look at our online payment calculator. This tool allows you to see how much you’d need to pay each month towards your loan based on an amount and interest rate that you can specify.
One option we can consider to help you secure auto financing is a co-signed loan. This is where a spouse, relative, or close friend with a higher credit score than yours agrees to co-sign your loan. Lenders often offer better terms on a co-signed loan due to the extra security provided by the second signer.
If you already have an auto loan but want a better deal, you have the option of refinancing. Refinancing a loan involves taking out a second loan to cover the outstanding balance left to pay on your existing loan. This step can be a wise move if you got a bad deal or if your credit score has improved since you took out your initial auto loan.
Our finance professionals can take a look at your existing loan’s terms, find refinancing options, and advise you on whether refinancing makes sense in your situation. For example, just because you find a refinancing loan with a lower interest rate than your current deal, it may not necessarily be a better deal. If the refinancing loan has a significantly longer repayment schedule than your current loan, you may end up paying more in total in interest than you would while paying higher interest over a shorter period of time.
We understand that buying a car outright isn’t for everyone. That’s why we also offer attractive vehicle leasing plans.
With a lease agreement, you pay a monthly fee to drive one of our vehicles for an agreed period of time. Many leases typically last between two and four years. At the end of the lease period, you return the vehicle to our dealership. Some people decide to buy the vehicle at the end of the lease period for an agreed price.
Lease payments are usually lower than auto financing payments because you don’t have to cover the entire cost of the vehicle. Instead, you only pay for the amount its price drops during the lease period, plus interest.
If you want to learn more about leasing, one of our advisers will be happy to take your questions.
Now that we’ve explained all the services on offer here at our finance department, we’re looking forward to assisting you with your auto financing needs. If you have a question about something we’ve not touched on here, or you’d like to speak to someone about your loan application, don’t hesitate to contact us today.