Does Credit Matter When Buying A Car?

If you’re in the market for a new car, we encourage you to visit Kearny Mesa Chrysler Dodge Jeep® RAM. We carry models from some of the most popular brands in America. So whether you want a compact car or a rugged Jeep Wrangler, we’re confident you’ll find something you love. However, our Jeep dealers know that the prospect of car financing can cause some stress—especially if your credit is less-than-stellar.

Does Credit Matter?

No matter whether you’re interested in one of our new or used Jeep SUVs, the car-buying process will be fairly similar. After you choose the car you want, seek out a Jeep dealer in San Diego, CA. Then we’ll begin to discuss your financing options. The majority of the customers we meet need to apply for some sort of car financing (unless they plan to pay for the entire cost upfront).

Next, we’ll bring you to our Jeep finance center and get started. Our team will have you fill out some paperwork, which asks for personal information and proof of income. Using that information, we’ll conduct a routine credit check. If we learn that your credit score is lower than we’d like, this doesn’t mean the end of your car-buying dreams. We work with customers who have a variety of credit scores, and we’ve built trusted relationships with many of the top lenders in San Diego. This means that we’re willing to work hard to secure a car loan, regardless of your current credit.

How Our Jeep Dealership Can Help

When you’re discussing financing at our Jeep dealership near Poway, CA, our experts can also provide helpful tips for reducing your down payment and subsequent monthly payments. For example, you might consider trading in your current car and putting that value towards a new purchase. Or, our Jeep dealers might encourage you to lease instead of buy. Both of these steps will help you save money on the base cost of a new Jeep SUV, which will decrease the amount of any car loans you apply for.

The car-financing process can be stressful, especially if you have poor credit. But our team is here to help you every step of the way. Our ultimate goal is to get you behind the wheel of the Jeep SUV of your dreams.