Why You Should Finance Through the Dealership
Buying a car can truly be a hassle. If you’re trying to purchase a vehicle using a bank loan, it usually requires multiple visits to the bank to verify your information. They base their decision off your credit score, and it typically takes a few business days to gain access to that credit score. Bank loans are not all the same, either. Usually, you get different rates depending upon your creditworthiness, so you want to make sure that you are always getting the best price you can. At banks, there is also no guarantee that you will be approved for a loan for the amount you’re looking for. Any credit issues could send you on a wild goose chase for the best rates.
The good news is that the bank is not the only solution for financing a car. Car dealerships are often the best bet for people when it comes to financing a vehicle. Not only are dealerships a one-stop-shop for your vehicle, they generally approve everyone for some form of financing. Our customers are consistently happy with the lending services they get through Zeck Ford, and here is what they are saying.
The Deals On The Lot Are Worth It
Ever go to a store that says they have great deals only to find that their sales are far less grand than they originally made them out to be? Often, that turns out to be the case with used car lots. Either they’re selling a car that looks too good to be true (and is too good to be true), or their cars are overpriced. You can trust each time you go Zeck Ford in Purcell that you’ll be getting the fairest prices of all the vehicles on the market.
At Zeck Ford we price cars so well because of the relationship we maintain with our clients. We understand our clients put a lot of trust in us, so we provide them with everything needed so that they will return to us when service is needed. Part of the services we provide for our customers is trade-in options. With this service, not only can we lessen down payments and payoff prices on new cars for our clients, but we also can showcase a variety of used vehicles. And with professional mechanics and auto detailers on staff, we get our used car trade-ins up and running for re-sale at a competitive price.
Zeck Ford Has Better Lending Rates Than Bank Loans
Especially for those with credit issues, it is worth considering Zeck Ford in Purcell for dealership financing. Lending rates can be sky-high, leading many to pay far more than they initially expected on their loans. At Zeck Ford, we work hard toward getting to know our customers, which helps us understand their financial situation. We assess how much they can afford per month, their debt-to-income ratio, and how long they might need a loan to be.
From the information you provided at the time of financing, Zeck Ford works out a personalized lending rate, which prevents customers from overspending and leading themselves down a slippery repayment slope.
Zeck Ford Will Finance Anyone
Potentially high bank loan rates can happen to anyone, but they can be particularly devastating for people with credit issues. Anyone with credit issues who has tried to find a car on their own before has probably run into sky-high interest rates and write offs from banks. This is because banks base their lending rates off of credit scores. If your credit score is anything less than perfect, it can impact your ability to get a decent lending rate.
At Zeck Ford we use other factors to determine how much we lend. Based on the amount we offer, we will help you find a reliable car. After all, credit scores don’t always connotate your ability to pay on time. They usually indicate that you (like so many of us) have had financial slip-ups in the past. Your debt to income ratio really helps Zeck Ford get a better understanding of what you can afford and how we can help you.
The Application Process is Convenient & Fast
No more waiting in line at a service desk to be seen. No more complex applications where you get no help from the banker. At Zeck Ford, you can apply for financial assistance online. While the application is user-friendly and straightforward, we always have customer service representatives available to help you with anything you might need help with. You’re more than welcome to fill out the application with someone at the dealership. Finally, the application process takes less time than traditional lenders for approval. If you need a car quickly, dealership financing is your best bet.
Knowledgeable, Friendly, and Empathetic Service
Finally, there’s nothing worse than working with a company that doesn’t treat you with the respect and decency you deserve throughout a stressful application process like a lending application. Zeck Ford is made up of knowledgeable representatives who have been in your seat before. You never have to worry about anyone judging your financial health or history. We simply see you as a human and aim to help you live your best life. No question is too fundamental, no story too outrageous, and no situation too precarious for us to provide you with quality, reliable transportation.
Zeck Ford of Oklahoma is your one-stop-shop for all your car buying needs. From service to sales to financing, we can help you get what you need quickly and efficiently. Don’t wait on banks to hear back about loans. If you live in the Purcell, Oklahoma City, Norman, or Moore Area, stop by our dealership on 2311 North 9th Avenue in Purcell or check out our website. We will help finance your next big car purchase without the worry and hassle of doing it yourself.