Financing your next vehicle is simple at Guaranteed Auto Sales. Our experienced 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 the financing terms, interest rate, loan amount, and payment options available based on your individual qualifications.

Your interest rate is determined by the lender using several factors, including your credit history, income, employment stability, debt-to-income ratio, down payment, loan term, previous auto loan history, and other financial information. Every application is unique, and our finance specialists will explain the options available to help you make an informed decision.

Absolutely. You're welcome to obtain financing through your own bank or credit union before visiting the dealership. Many customers also choose to compare their financing with the options available through our lending partners. Our goal is to help you choose the financing solution that works best for your situation.

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 may affect your next vehicle purchase and financing options.

Positive equity can often be applied toward your down payment or reduce the amount you finance. If you have negative equity, the remaining balance may be included in your new loan if approved by the lender. We'll review your trade-in, explain your available options, and help you understand how it may impact your monthly payment.

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

Yes. Guaranteed Auto Sales works with customers across a wide range of credit situations. 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.