Finance

If you’re looking for a new Chevy in Escondido and are researching the best Chevrolet finance offers or just want to know more about Chevrolet financing, you’ve come to the right place! Quality Chevrolet takes the mystery and hassle out of Chevy financing. From an easy online financing application to incredible Chevrolet finance offers in Escondido, let us help you get into the Chevy of your dreams with a flexible Chevy loan or lease. We are your best friend in the car business!

What Do You Need to Qualify for a Chevy Loan?

To get approved for Chevrolet financing, the lender needs the following information from you: 

• Condition of the Vehicle
• Credit Score
• Age of the Vehicle
• Employment History
• Debt-to-Income Ratio
• Credit History
• Repayment Terms
• Loan Amount Requested

But if you haven't yet established your credit or you have poor credit, you may have to pay a higher interest rate than other Oceanside drivers who have better credit. That’s why it’s worth the effort to try and improve your credit score before you apply for Chevrolet financing. 

Things to Do Before Applying for Chevy Financing

If you want to know more about Chevrolet financing, we suggest you talk to a finance specialist at Quality Chevrolet. You can use our payment calculator to determine how much you can pay monthly. These are some other things to keep in mind when estimating your monthly automotive budget for your drives around Poway and beyond:

• Always make your car loan payment on time.
• You can estimate the value of your trade-in car with Quality Chevrolet, and therefore reduce the total amount of your loan to keep your payments lower.
• Remember to add the amount for car insurance, fuel and maintenance, and unexpected repairs into your monthly budget.
• Do your best to save money for a down payment. It will help keep your Chevy financing monthly payment low.
• Be certain to make your auto payment on time, every time.

Leasing vs. Financing  

Wondering about the differences between leasing and financing? When you lease, you get long-term exclusive access to a vehicle, and you pay for the estimated depreciation that occurs over the course of your lease term. This means lower monthly payments and down payment requirements. When you finance, you take out a loan on the full value of a vehicle, which will cost a little more, but you retain the right to sell your model, which means you're building equity with your monthly payments. Neither path is better than the other. If you're looking for month-to-month affordability, leasing can be a great idea. If you're looking to make a long-term investment, financing is ideal. 

Learn More About Chevrolet Financing Today at Quality Chevrolet

If you still have questions about the auto loan process or Chevy financing offers, contact us at Quality Chevrolet. Whether you need a pre-owned vehicle or a new Chevy for your Carlsbad commutes, our helpful sales team will work hard to get you the vehicle of your dreams at a price you can afford with a car loan or lease snugly tailored to your monthly budget. Ask us about our current Chevrolet finance offers in Escondido.