Financing A Used Car: Is It Really Difficult?
Sometimes customers who come to the Joe Bowman dealership are a little leery about buying a preowned car, much less financing a used car.
It’s understandable. Whether you buy privately or through a dealer, there’s always that nagging doubt about whether the vehicle is in good working condition.
Shop This Harrisonburg Used Car Dealer with Confidence
You can imagine customers’ surprise when we explain that nearly all of our pre-owned vehicles are Carfax-approved. What’s more, every vehicle that comes to our Harrisonburg used car lot must pass a 75-point inspection or it’s not for sale.
And finally, we back up every sale with either a 30 or 90-day warranty. You can buy a pre-owned truck, car, or SUV with complete confidence from our dealership.
Before You Buy: Do Your Financing Homework
Before you’re ready to buy a used car, make sure you do your financing homework! Know your credit score. You want at a score over 680 so that you will can get the lowest interest.
Know Your Credit Score
If your credit is bad or poor, Joe Bowman does offer 2nd Chance Credit financing. Working with local lenders and large financial companies, we’ll shop around to find the best used car financing rate.
The rate will be higher, but it will be affordable, allowing you to make payments within your budget. If you want to rebuild your credit, we’re committed to helping you!
Know How Much You Can Afford
You can find out how much vehicle you can afford to buy by filling out our online form. Our financing team can then find the best financing rates and options for you. You definitely want an affordable monthly payment, but for a used car, you don’t want to stretch out payments for 6-7 years.
Make sure it's a payment and finance term that makes sense for your budget.
Get Loan Pre-Approval
If your credit is good, get pre-approved used car financing from either our dealership or your bank. Pre-approval is a guarantee that you have the loan amount needed to buy the vehicle.
Financing A Used Car: Isn’t It More Difficult?
You can finance your preowned car through your local bank. But if the vehicle is 4-5 years old, banks usually won’t touch it.
The good news is you can get a competitive interest rate on your used car loan through our dealership. We can usually meet or beat the rate of most local lending institutions.
And that’s good news for you. Our financing rates are simple interest loans which means you can pay ahead on your loan without penalty.
What’s more, when you finance through our Harrisonburg car dealership, we can get you into your new ride quicker because everything is handled in-house.
If you choose, however, to finance through your bank, we can most certainly do that. The paperwork will just take a little longer. Your bank has forms they need filled out as do we, so all that paperwork must be accounted for.
Our Harrisonburg Car Dealership Perks
When you buy a car from Joe Bowman Chevy, you’ll find we believe in service after the sale.
That’s why you’ll get additional perks such as preferred service scheduling, complimentary Virginia state inspections, and a complimentary transportation to get you where you need to go while your car is getting serviced.
When you’re ready to buy a new or used vehicle, turn to the pros at Joe Bowman. We’ll help you find the vehicle that’s right for you. And consider financing a used car through our dealership.
You’ll love our fast service and competitive interest rates!
It’s understandable. Whether you buy privately or through a dealer, there’s always that nagging doubt about whether the vehicle is in good working condition.
Shop This Harrisonburg Used Car Dealer with Confidence
You can imagine customers’ surprise when we explain that nearly all of our pre-owned vehicles are Carfax-approved. What’s more, every vehicle that comes to our Harrisonburg used car lot must pass a 75-point inspection or it’s not for sale.
And finally, we back up every sale with either a 30 or 90-day warranty. You can buy a pre-owned truck, car, or SUV with complete confidence from our dealership.
Before You Buy: Do Your Financing Homework
Before you’re ready to buy a used car, make sure you do your financing homework! Know your credit score. You want at a score over 680 so that you will can get the lowest interest.
Know Your Credit Score
If your credit is bad or poor, Joe Bowman does offer 2nd Chance Credit financing. Working with local lenders and large financial companies, we’ll shop around to find the best used car financing rate.
The rate will be higher, but it will be affordable, allowing you to make payments within your budget. If you want to rebuild your credit, we’re committed to helping you!
Know How Much You Can Afford
You can find out how much vehicle you can afford to buy by filling out our online form. Our financing team can then find the best financing rates and options for you. You definitely want an affordable monthly payment, but for a used car, you don’t want to stretch out payments for 6-7 years.
Make sure it's a payment and finance term that makes sense for your budget.
Get Loan Pre-Approval
If your credit is good, get pre-approved used car financing from either our dealership or your bank. Pre-approval is a guarantee that you have the loan amount needed to buy the vehicle.
Financing A Used Car: Isn’t It More Difficult?
You can finance your preowned car through your local bank. But if the vehicle is 4-5 years old, banks usually won’t touch it.
The good news is you can get a competitive interest rate on your used car loan through our dealership. We can usually meet or beat the rate of most local lending institutions.
And that’s good news for you. Our financing rates are simple interest loans which means you can pay ahead on your loan without penalty.
What’s more, when you finance through our Harrisonburg car dealership, we can get you into your new ride quicker because everything is handled in-house.
If you choose, however, to finance through your bank, we can most certainly do that. The paperwork will just take a little longer. Your bank has forms they need filled out as do we, so all that paperwork must be accounted for.
Our Harrisonburg Car Dealership Perks
When you buy a car from Joe Bowman Chevy, you’ll find we believe in service after the sale.
That’s why you’ll get additional perks such as preferred service scheduling, complimentary Virginia state inspections, and a complimentary transportation to get you where you need to go while your car is getting serviced.
When you’re ready to buy a new or used vehicle, turn to the pros at Joe Bowman. We’ll help you find the vehicle that’s right for you. And consider financing a used car through our dealership.
You’ll love our fast service and competitive interest rates!
