At 4 Your Car Connection our finance department's goal is to provide the best
possible terms for our customers. We have several finance sources that are waiting to handle the needs of our customers.
Bank Financing
We deal with many local banks and with credit unions to lock in the best rates for our customers who want competitive rates and excellent service for their next auto loan. It's easy. Either stop by our dealership, have a seat and fill out a credit application, or fill out a credit application online. Whichever your preference there is no pressure. As long as all the information is detailed and accurate we can generally have an answer for you with in a couple of hours during regular banking hours. Interest rates co-inside with credit rating and also with the year of the vehicle the customer is applying for.
Secondary Financing
In the event that the customer is unable to secure a loan through traditional banks and/or a credit union we also deal with secondary finance companies. Although the rates are generally higher through these companies, their credit guidelines are more flexible and therefore they are able to get approvals where other sources declined the applicant. We can also have an answer within a couple of hours and have you driving home in your next
vehicle that day as long as all documentation needed are present.
Guaranteed Credit Approval
4 Your Car Connection is a dealer partner with Credit Acceptance a finance company located in Southfield,
Michigan. Through this partnership
4 Your Car Connection is able to provide financing for customers that
are looking to establish and/or reestablish credit. Where many other finance companies only base their
decision on an individual's credit score Credit Acceptance takes other factors into consideration such as
job time, residence time, income and other factors to come up with a ranking for that individual. From that
ranking and the information in regards to the vehicle the customer is interested in, Credit Acceptance will
develop a list of documents needed from the customer along with the down payment required to put that
customer in the vehicle of their choice. Down payments can be cash or trade or a combination of the two.
Once the deal is finalized through the dealership and all required documents are received by Credit
Acceptance the customer will then be on their way to building their credit. The Credit Acceptance
slogan is 'We Change Lives'. By reporting to the major credit bureaus, it gives those customers an
opportunity that they needed.
Buy Here Pay Here Financing
If you are a customer that doesn't want to try for bank financing for whatever reason
we have another program for you. We offer in house financing through our Buy Here
Pay Here Program. Whether the customer wants to pay weekly or bi-weekly we set
up the payment that is most comfortable with the customer. Payments on our Buy
Here Pay Here Program range on average between $35 to $60 per week. For example
if your pay is set up to be every two weeks we can set up your payments to be either
$70 or $120 every two weeks depending on original payment listed. We do require cash
down and down payments vary depending on the vehicle. The down payment does not
include Pennsylvania tax, title and fees, which are also due at time of purchase. The
selling price along with weekly payments and down payments are clearly marked on
the vehicle that are listed on our Buy Here Pay Here Program. To inquire more about
our Buy Here Pay Here Program and to see if you qualify call us at 1(814)-678-DEAL
or email us.
You may fill out a credit application via a secure
online application
for installment loans.
Customers that prefer not to submit an application online can stop at our dealership
and drop off the credit application that can be printed here
Printable Application
(Requires Adobe Acrobat Reader). You may also calculate your approximate payment
through our
payment calculator and also figure out your budget with our
budget
calculator.
