If you need a car and don’t have all the cash needed, financing is always an option. If you want to
finance a used car, you have the choice of getting your own direct financing and we have listed the
steps you need to take below. If you have a low credit score, "Buy Here Pay Here" lots may be your
only option, but should only be used as a last resort because of the excessive interest rates they
can charge.
We provide NO financing. All financing will have to be arranged with your bank or credit union.
Generally speaking, credit unions have the better interest rates which means borrowing the money from
them will save you some $$ especially if you have money to put down. The type vehicles we carry may
limit the lenders who would like to help you but every lender is different so please check with
yours if you have an established relationship to see what they will do for you. If you aren’t a
member of a credit union, just pick up the phone and start calling. Most have relaxed the terms of
membership to include any one who lives, works, goes to school or church within the counties or
communities they serve.
A lot of our customers have had good things to say about eCO Credit Union and they have locations
convenient to us so you aren’t driving all over town. They work with all types of credit issues on a
case by case basis and seem to be flexible with their terms on the type of vehicles we carry.