Financing with Our Dealership
Competitive Rates
GoAuto takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! Still not sure? We will work with you to secure a no credit car loan if your situation demands it. GoAuto has strong banking relationships and is committed to finding you the perfect car loan company to suit your car finance needs.
Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!
Benefits of Financing
Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.
We are also sensitive to the fact that some drivers have had to declare bankruptcy, and some have even had previous cars repossessed. None of these factors should inhibit you from getting a car when you need one. And if you're near Lancaster or York, PA, make the short trip to come see us at the GoAuto dealership in person.
Flexible Credit Options
GoAuto can help you get into the used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.
No one should be ashamed about their credit, or worse, afraid of being rejected for needing a car. Other dealerships may treat you differently or deny your approval, but at GoAuto, we will work hard to find a deal that words for your financial situation. We respect you and will treat you just the same as any other customer buying a vehicle; this is our commitment to you!
Contact Us To Discuss Your Down Payment
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Frequently Asked Questions
Absolutely. When you make your used car loan payments on time, it's one of the very best ways to rebuild your credit. With every payment you make on time, your credit score is gradually rising. In fact, your payment history is the biggest part of your credit score: About 35% according to the experts at FICO. An installment loan like the kind of used car financing we offer can help accelerate the speed at which your credit gets up to a solid level.
We understand that anyone can go through tough times and that's why we have lined up lenders who are willing to provide financing for someone who needs to re-establish his or her credit. As you would expect, interest rates are higher but we can help you keep your monthly payments as affordable as possible. It's important to find a used vehicle in a price range that doesn't stretch your financial limitations too much. Keep your transportation expenses as low as possible and make your monthly payments on time to rebuild your credit score.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In general, the more money you can put down, the better your chances of getting your loan approved and keeping your interest rate at a reasonable level. Some experts suggest that you can put about 10% of the used car’s total value as a down payment. If you can save enough to put down 15% or even 20%, you can improve your chances of getting approved.
At GoAuto we are excited to offer $0 down payment options, while each situation varies and you may be required to put a certain percentage down in order to get approved.
The lender will determine how much you can be approved for based on your current income and debt load. If your monthly income is high enough to afford a car, your lender will make a calculation of how much available income you have. That's expressed as a debt-to-income ratio and the lower the ratio, the better. We will work with you to find a dependable, low-priced vehicle with a loan amount that allows you to make your car payments without anxiety. Fill out our totally secure financing application to get approved in advance.
Some lenders may require certain things to be verified in order to make a loan approval decision. It’s wise to come prepared to discuss those things when you talk with one of our finance specialists. In general, buyers from Lancaster PA should plan on allowing anywhere from a few business days to a few weeks for approval.
It's possible as long as certain required stipulations are met. If you've done a good job of getting all your financial information together and you've saved as much of a down payment as you can, you might be able to drive your used vehicle home today. Stop by our dealership located near Penn Township Community Park and let's talk about financing at GoAuto in Manheim PA.
Ready to begin?
Get in Touch
- Contact our Store: (717) 673-7459
- MondayClosed
- Tuesday9:00AM - 7:00PM
- Wednesday9:00AM - 7:00PM
- Thursday9:00AM - 7:00PM
- Friday9:00AM - 5:00PM
- Saturday9:00AM - 3:00PM
- SundayClosed