Financing your next vehicle is simple at Guaranteed Auto Sales. Our finance team works with a network of trusted banks, credit unions, and automotive lenders to help you explore financing options that fit your needs and budget. After reviewing your application, participating lenders determine your available loan terms, interest rate, payment options, and financing amount based on your individual qualifications.

Your interest rate is determined by the lender using several factors beyond your credit score. These may include your credit history, income, employment stability, debt-to-income ratio, time at your current residence, down payment, loan term, previous auto loan history, and other financial information. Our finance specialists will explain your available options and help you compare the financing solutions available to you.

Absolutely. You're welcome to secure financing through your own bank or credit union before visiting the dealership. Many customers choose to compare outside financing with the financing options available through our lending partners so they can make the decision that best fits their financial goals.

Trade-in equity is the difference between your vehicle's current market value and the remaining balance on your existing loan. If your vehicle is worth more than you owe, you have positive equity. If you owe more than your vehicle is worth, you have negative equity. Our team will explain how your trade-in value may impact your next vehicle purchase.

Positive equity can often be applied toward your down payment or reduce the amount you finance. If your current loan balance exceeds your vehicle's value, the remaining balance may be included in your new financing if approved by the lender. We'll review your trade-in and clearly explain how it affects your financing options and monthly payment.

Many lenders allow borrowers to make additional principal payments or pay off their loan early, although loan terms vary. If you plan to make extra payments, ask your lender how those payments will be applied so they reduce your principal balance whenever permitted by your loan agreement.

Yes. Guaranteed Auto Sales works with customers across a wide range of credit backgrounds. Whether you have excellent credit, are rebuilding your credit, have limited credit history, or have experienced previous financial challenges, our finance specialists will help you explore the financing options available through our network of trusted lending partners.