When it comes to purchasing a vehicle, the financing process can often feel overwhelming. At Shepard Select Cars, we strive to make this experience as seamless and stress-free as possible. Whether you’re buying your first car or upgrading to your dream vehicle, our flexible financing options are designed to fit your unique needs. Let’s dive into the different financing plans we offer and why Shepard Select Cars should be your top choice for vehicle financing.
Why Choose Shepard Select Cars for Financing?
Shepard Select Cars is more than just a dealership—we’re your partner in the car-buying journey. Here’s why financing with us stands out:
- Diverse Financing Options: We offer a range of financing plans tailored to different financial situations and preferences.
- Expert Guidance: Our finance specialists are here to help you navigate the process, ensuring you make an informed decision.
- Customer-Centric Approach: We prioritize your needs and work tirelessly to find solutions that work best for you.
- Reputation for Excellence: With years of experience and countless satisfied customers, we’ve built a reputation for trust and reliability.
Exploring Our Financing Options
At Shepard Select Cars, we understand that no two buyers are the same. That’s why we offer multiple financing solutions to ensure everyone drives away happy.
Traditional Financing
What Is It?
Traditional financing is the most common route for car buyers. It involves purchasing the car with fixed monthly payments over a set period—usually 36 to 72 months. Once you’ve completed all payments, you own the vehicle outright.
Benefits:
- Ownership: You gain full ownership of the car at the end of the term.
- Predictable Payments: Fixed monthly payments make budgeting easier.
- Build Equity: As you pay off the loan, you build equity in the vehicle.
Is It Right for You?
Traditional financing is ideal if you plan to keep the car long-term and want the satisfaction of full ownership.
Balloon Financing
What Is It?
Balloon financing offers lower monthly payments compared to traditional loans, with a larger lump-sum payment (the “balloon payment”) due at the end of the term.
Benefits:
- Lower Monthly Payments: Enjoy more affordable monthly costs.
- Flexible End-of-Term Options: Pay off the balloon amount, refinance it, or trade in the vehicle.
- Great for Short-Term Ownership: Perfect if you like changing cars every few years.
Is It Right for You?
Balloon financing suits buyers who want lower monthly payments and the flexibility to upgrade vehicles more frequently.
Special Low-Interest Loans
What Is It?
Qualified buyers can take advantage of our special low-interest loans, offering reduced APR rates that save money over the loan term.
Benefits:
- Save on Interest: Lower APR means paying less over time.
- Affordable Payments: Reduced interest can result in more manageable monthly payments.
- Easier Approval for Qualified Buyers: If you have a strong credit score, this could be your best option.
Is It Right for You?
If you have good credit and want to save on financing costs, a special low-interest loan could be the ideal solution.
Bad Credit Auto Loans
What Is It?
We believe everyone deserves reliable transportation. That’s why we offer bad credit auto loans tailored for those facing credit challenges. Shepard Select Cars partners with multiple lenders to find solutions that fit your situation.
Benefits:
- Increased Approval Chances: We work with a variety of lenders to secure approval.
- Credit Building Opportunity: Making timely payments can help rebuild your credit.
- Flexible Terms: Customized options to suit your financial needs.
Is It Right for You?
If you’ve faced credit challenges but need a reliable vehicle, our bad credit auto loans can help you get back on the road.
The Shepard Select Cars Financing Process
We’ve streamlined our financing process to be simple, transparent, and stress-free.
- Apply Online or In-Person: Start your financing journey by filling out our quick application either online or at our dealership.
- Get Pre-Approved: Our finance team will review your application and find the best financing options available.
- Choose Your Vehicle: Once pre-approved, browse our wide selection of quality cars, trucks, and SUVs.
- Finalize the Deal: We’ll go over all the details with you, ensuring you understand the terms and feel confident in your choice.
- Drive Away Happy: Sign the papers, grab your keys, and hit the road in your new ride!
Tips for Getting the Best Financing Deal
- Know Your Credit Score: Understanding your credit score helps set realistic expectations.
- Set a Budget: Determine how much you can afford monthly before starting the process.
- Consider a Down Payment: A larger down payment can lower your monthly payments and overall loan cost.
- Ask Questions: Don’t hesitate to ask our finance experts about terms, rates, and options.
Why Shepard Select Cars Is the Smart Choice
At Shepard Select Cars, we’re committed to helping you find the perfect vehicle and the ideal financing plan. Our diverse range of financing options ensures that no matter your situation, we have a solution for you. Whether you’re looking for traditional financing, the flexibility of balloon loans, low-interest rates, or even help with bad credit, we’ve got you covered.
When you choose Shepard Select Cars, you’re not just getting a vehicle—you’re getting a dedicated team focused on making your car-buying experience smooth and enjoyable.
Ready to drive away in your dream car? Visit shepardselectcars.com today and let’s make it happen!
