To lock in the best rates for our customers, we deal with many local banks and credit unions, which have competitive rates and excellent service. The process is easy! Either stop by our dealership, have a seat and fill out a credit application, or fill out a credit application right here on our site. 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 coincide with credit rating and also with the year of the vehicle for which the customer is applying.