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.
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!