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Submit Your Auto Loan Application Today in Irvington, NJ

You should think about the year, make, model, mileage, and other aspects when buying a high-quality used car. Since most people don’t have the money to buy a high-quality vehicle outright, you’ll also need to consider how you plan to pay for your new vehicle. Our Foreign Auto Imports team can assist you if you need financing for your next car. You may complete our online credit approval procedure wherever there is an internet connection, and it is quick and simple.

What Is an Apply Online?

Apply auto loan online is comparable to in-person service. During the application procedure, you must supply basic information about yourself, such as your name, driver’s license number, address, phone number, birthdate, place of residence, and income. Your eligibility for an auto loan and the interest rate you’re likely to receive will be determined by this information. The loan rate is frequently determined by your credit score, with offers for lower interest rates going to those with higher credit scores.

Your credit score won’t be impacted by the Foreign Auto Imports online credit acceptance process. You can avoid having a hard inquiry recorded by having your credit report soft checked for online approval. We can get you approved for financing regardless of whether you have good credit, bad credit, or are working on restoring your credit.

Through one of the biggest, best, and most empathetic auto lenders in the New Jersey region, you may be pre-qualified in a matter of minutes. Simply complete our form with your contact and personal information, and we’ll take it from there. Text or call us at (973) 622-2882 if you have any inquiries concerning the pre-qualification procedure.

What You Need To Know About Financing a Vehicle

When you take out an auto loan to finance a vehicle, you consent to repay the lending company on a regular basis, together with interest, until the balance is zero. You will pay back the loan over a defined term at a predetermined annual percentage rate (APR). Your loan’s terms will depend on the following factors:

  • Your income.
  • Your credit score.
  • Age of vehicle.
  • Type of vehicle.
  • Mileage of vehicle.
  • Loan terms or length.
  • Down payment amount.

Most used car loans last between 24 and 72 months, though some banks extend that to 84 months. As mentioned, reduced APRs are frequently a result of better credit scores. By making a larger down payment on the car you want to buy, you may typically reduce your APR as well.

You should have a general concept of how much you can afford to spend before applying for financing. To assist you select a loan choice based on your budget-friendly monthly payment, you can utilize an online vehicle loan payment calculator. The majority of pre-approvals are valid for 30 days, allowing you to test drive numerous vehicles before deciding on one.

Why Get Pre-Qualification for an Used Car Loan?

Before visiting our Foreign vehicle Imports, getting pre-approved for a vehicle loan is not required, but it may be advantageous for you to do so. Your buying power or the type of vehicle you can afford are better estimated with pre-approval. Knowing your purchasing power can help you save time by allowing you to skip over vehicles that are too expensive. Additionally, it can prevent you from falling in love with a car you can’t afford. Knowing your purchasing power can also enable you to bargain more effectively with the dealership.

What Are the Advantages of Financing Through a Irvington Used Dealership?

Your one-stop shop for getting your next top-notch used car is Foreign Auto Imports. When you use dealership financing, you may quickly select the car of your dreams, secure financing for it, and take possession of it. Regardless of your credit history, our dealership works with finance institutions to obtain you affordable terms and competitive interest rates to assist you get into a vehicle.

Financing through Foreign Auto Imports may be the solution you’ve been seeking for in terms of financing choices for drivers with poor credit or no credit. Our inventory has automobiles for every price range, including several under $20,000, and our finance team works with you to find a loan that works for you. Let us assist you in getting into a reliable used car right away.

What If You Have a Vehicle To Trade?

Your car may be traded in at Foreign Auto Imports for a new-to-you secondhand car. Before you visit the dealership, use our Sell Us Your Car online form to find out how much your present car is worth. To help you drive off our lot in a high-quality used car, we pay top price for your trade-in. Bring your keys, car title, vehicle, and driver’s license to Foreign Auto Imports once you have received a trade-in offer to receive your upgrade.

Should you decide not to trade in your present vehicle for an upgrade, we can also make you an instant cash offer for it. To find out how much you can get for your present vehicle, use the fast cash offer tool or arrange for a car inspection in Irvington, New Jersey.

Visit Foreign Auto Imports Today!

Fill out the Foreign Auto Imports application form when you are prepared to begin the online credit approval procedure. Within minutes, you’ll have a response with preliminary information, including the amount and terms of the approved loan as well as the interest rate. After pre-qualifying for finance, browse our extensive inventory to locate the high-quality used car that best suits your requirements and price range.

Foreign Auto Imports is located at 995 Clinton Avenue in Irvington, New Jersey, starting at 10 a.m. to 8 p.m. from Monday through Saturday. To get started right now, give us a call at (973) 622-2882 or fill out our safe online contact form. If you have any inquiries or would want to begin the process of purchasing a new vehicle for yourself, our sales and financing staff would be happy to assist you.