When financing a vehicle at Randy Wise Chrysler Dodge Jeep Ram, our goal is to make sure you are 100% comfortable with your purchase every step of the way, keeping your best interest at heart.

How much will I get pre-approved for?

This depends on a ton of factors such as your credit score, credit history, income, employment history and your down payment amount. 

How much money down will I need?

Your down payment can vary! The more money you put down, the less your monthly payment will be. If you have subprime credit, sometimes increasing the amount of money you put down will increase the number of lenders who will offer you financing. 

Can I use my trade as my down payment?

Absolutely! Additional money, however, may be required if there is a lien on the automobile that you are trading in. Get an accurate value for your trade here!

Will inquiries affect my credit rating?

When you submit a credit application with Randy Wise, we work with many lenders to ensure we don't have to continually pull your credit. It you are receiving quotes at multiple dealerships, too many inquiries can negatively affect your credit. 

I don't have any credit history. Can I still get financing?

Yep! Randy Wise offers several first-time financing options and programs.  

Do I need a co-signer?

Not necessarily. A co-signer may be an option for a buyer who does not comply with the credit requirements or may help to get a better offer presented. The best option is to start the process of choosing your next vehicle and apply for financing. One of our Special Finance Managers will go over co-signer options if necessary. 

Ok I am ready! What should I bring?

Current proof or residency (phone bill, cable bill, mortgage etc), Identification card, Proof of income and a down payment or trade in with title.