What Are In-House Financing Car Dealers?

finance calculator

In-house financing car dealers provide car loans directly through the dealership. In the case you work with in-house finance car lots, you’ll make payments to the dealer directly instead of a bank or credit union. While you’ll still need to apply for financing, in-house financing cars gives you a better shot at being approved. Learn more about in-house financing with help from Dakota Chrysler Center!

The Benefits

Because in-house financing car dealers don’t have to go through a third-party, there are many benefits that are passed onto you when you visit:

  • Easier pre-approval
  • Extended warranties
  • Flexible interest rates
  • Higher credit score

From building credit to extending an original warranty, in-house financing can be the answer to your car buying woes. You’ll be on Breckenridge roads in no time after you’re approved for financing.
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What to Watch Out For

Not every in-house financing car lot is like Dakota Chrysler Center. Be sure to watch out for the following red flags if you’re interested in this purchase method:

  • If they allow you to leave the lot before agreeing on the payment term
  • ”Approved” vs. “approval” – if the manufacturer approves the dealer, they are approved and have higher standards for quality whereas the latter might not
  • If the car dealer doesn’t report to a credit bureau
  • If you get a call saying your financing plan fell through and need to provide more money or they tell you a higher interest rate than before

Finance with Dakota Chrysler Center

Now are you wondering, “where are there in-house financing car dealers near me?” Come to Dakota Chrysler Center! Financing with us means you’ll be in and out of our Fargo area dealership in your new car in a flash. We also offer plenty of affordable new car and used vehicle specials to make your purchase more affordable. Learn more with our financing department today, including what a good interest rate on a car loan is!

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