Interest rates can vary based on a few key factors, like your credit score, income, loan term, and the lender’s criteria. Generally, the better your credit, the lower your rate. But don’t worry, we’re here to do the legwork. We’ll help match you with lenders offering the most competitive rates for your situation, so you can finance your new car without overpaying in interest. In other words: you focus on the test drive, we’ll handle the rate hunt.

Absolutely. Pre-approval is not only available, it’s a smart first step. Getting pre-approved gives you a clear idea of your budget, potential interest rate, and monthly payment before you set foot on a dealership lot. It shows sellers you’re a serious buyer and can help streamline the process when you’re ready to make a deal. Think of it as your financial green light. So when you find the right car, you’re ready to roll.

Typically, new car loan terms range from 1 to 7 years, giving you plenty of flexibility to choose what fits your financial game plan. Shorter terms mean you pay off your car faster. Longer terms can lower your monthly payments, making that new ride more affordable on a monthly budget. Of course, longer loans often come with a bit more interest over time, so it’s all about striking the right balance. Don’t worry, we’ll help you navigate the options and find the term that keeps your wallet happy and your wheels turning.