Financing Application in Central Square, NY

Apply for Financing Online in Just 40 Seconds at Billy Whittaker Cars & Trux

Here at Billy Whittaker Cars & Trux, you can apply for financing in just a few seconds and get pre-approved in just a matter of minutes. Use our :40 Second financing application and get approved for credit financing with our dealership. We work with all customers of all financial statuses, whether you have good credit, bad credit, or no credit at all. Apply for financing online at Billy Whittaker Cars & Trux, then visit us here on US-11 in Central Square, NY. We are proudly serving the Cicero, NY area.


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Important Privacy Information

Privacy Statement

Introduction
As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.
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How 40-Second Financing Works

As its name suggests, the 40 second financing application can be filled out in less than the time it takes to reheat food in the microwave! You enter in required information about yourself, your preferred method of contact, and address. While we will need your social security number, you can rest assured that we keep this piece of information encrypted and never disclose it to outside entities without your prior authorization.

After you fill out the form, you can sign the privacy statement and send it in to our team. If we receive your application within our business hours, our finance center will process it quickly and get back to you with a few payment options to consider. We will provide you with the best options based on your credit rating, budget, employment status, and other factors.

How Financing Works

Financing a used car from our dealership near Clay, NY is an excellent way to streamline the process of payment. While all of our used inventory comes priced affordably, very few can afford to drop down thousands of dollars at one time for a wholesale purchase. Our customers turn to financing to help streamline the total cost of a car into several manageable monthly payments. We work with many reputable lending institutions around the area and we can also handle some financing arrangements in-house.

Your typical used car financing agreement will include all of these parts factored in:

  • Down Payment: A down payment is the money you may owe at the signing of your deal in order to drive home with your used car. This flexible price helps you start your deal out at a comfortable rate and can usually be negotiated with a sales representative. Generally, the more money you can put down today, the less you will have to pay monthly.
  • APR: The APR, or "Annual percentage rate" is the interest owed on your loan each month. The APR can be influenced by a variety of factors, including your credit and any special offers you may qualify for in Central Square.
  • Trade-In Value: If you have an old car in Fulton, NY that's on its last leg, you may be surprised at how much a return you can get for it. You can use our handy trade-in appraisal form to get a fair cash estimate for your old car, which we will apply to the balance of your current loan.
  • Loan Term: You will receive several options for how long you would like your financing agreement to be with options typically ranging from 18 to 72 months. Generally, a shorter loan term will get the balance of the vehicle paid off, but you may have to accept higher monthly payments to achieve this goal.
  • Monthly Payments: Your monthly payments can be influenced by all previous factors, including how much you pay out of pocket and your monthly interest. With lower monthly APR, and a higher down payment, your monthly payments will remain relatively low.

What Happens When the Financing Period Ends?

A typical financing agreement will end as soon as the full balance of the vehicle is paid off. Once your used car is paid off, it is yours to do with as you choose. You can keep the car, gift it to your most recent Syracuse University grad, or sell it. We pride ourselves on the lasting value in all of our used cars, so keeping the car you finance can give you many more years of excellent driving.

Take Advantage of Our Dealership Benefits

Our convenient financing process is not the only strong benefit to shopping with Billy Whittaker's Cars & Trux. Customers who work with us get to enjoy new rewards with our service center through the Billy's Rewards card. Enjoy service center benefits including four free oil changes, a free NYS Inspection, free tire rotations, and $200 referral bonuses. Billy's Rewards cards are valid for as long as you own your used car bought from our store.

Did you know you can also have your used car delivered? Through our one-hour delivery system, we will get your used car already to go and have it out to your home within an hour. Once all of your financing paperwork is taken care, of, you can request a delivery and we will bring your next used car out to your home.

Shop Billy Whittaker Today

We invite you to start your deal online using the :40 finance application here at Billy Whittaker Cars & Trux. Shop online with our used car dealership and visit us in Central Square, NY for a test drive. See you soon!