Let’s face it – automotive financing isn’t a subject that is exciting to many people. However, if you want to enjoy a feature-packed, safe, and fun-to-drive new Kia car on our dealership, you’re going to have to figure out a way to pay for it. While some people can afford to pay for the car upfront, the reality is that most drivers near Roseville, CA need to take out a loan. Luckily, we have a team of finance professionals here at our Kia finance center ready to help you get the best rate possible on your auto loan.
Before you even head into our dealership for a test drive, you should check your credit score. This number will play a big role in the rate that you’ll pay for your loan. A high credit will help you get a better rate, but our lenders will also work with people with no or poor credit to get them the best possible deal. You can utilize a number of free online services in order to check your credit score.
After you know your credit score, you should figure out how much you can afford to spend each month on a car payment without straining your budget. Car loans typically come in 3-, 4-, 5-, and 6-year terms. The longer the loan term, the lower the monthly payment, but longer car loans have the downside of being upside down for a longer period of time.
Now it is time to get pre-approved for your auto loan. Our finance pros will help you here, and we work with a variety of different area lenders. When you’re ready to get the ball rolling on your auto loan, stop into our dealership for a test drive.
