Finance Center

Welcome to the Finance Department. Here you can use our online form to get a quick and accurate response on financing your next vehicle. Your financing information is encrypted in a super-safe digital format and is never sent through E-Mail.

For New or Used Car Loan Questions Call us

Good and Bad Credit Accepted! New Smyrna Chevrolet Chrysler Jeep Dodge helps people with all credit situations. Most people need a car loan to finance their new car or used car purchase. The finance experts at New Smyrna Chevrolet Chrysler Jeep Dodge help people with all types of special finance needs drive their dream car home. Regardless of where you are in the car buying process, request a free, secure auto loan quote. New Smyrna Chevrolet Chrysler Jeep Dodge works with only trusted lenders to bring you low rates and flexible terms. Use this easy guaranteed secure auto loan application and get started with buying a car today!


Annual Percentage Rates (APR) - As Low As*

Loan Type        Up to 60 Months (%)        61-72 Months (%)

New Car            0%                                    4.99%

Used Car          5.99%                               6.99%


*Rates are for qualified applicants approved through New Smyrna Chevrolet-CJD. On approval of credit. Rates are subject to change without notification.    

At New Smyrna Chevrolet Chrysler Jeep Dodge we believe "what's in the past is in the past." Don't let your credit history stand in the way of buying a car. WE have helped thousands of people re-establish their credit while driving a new or late model vehicle.

New Car Warranties:
Chevrolet New Car Warranty
   
Basic         3 year / 36,000 miles   
Drivetrain    5 year / 100,000 miles     
Roadside    5 year / 100,000 miles     
Rust          6 year / 100,000 miles     

Basic Warranty: The basic warranty covers everything except items that are subject to wear and tear or replacement in the ordinary course of vehicle ownership, such as oil and air filters, wiper blades and brake pads. Tires and batteries are often excluded, but usually have their own warranty provided by the manufacturers of those items. Emissions equipment is required by Federal law to be covered for five years or 50,000 miles.


Drive Train Warranty: In some cases the drive train warranty continues after the basic warranty has expired. This part of the warranty covers most of the parts that make the vehicle move, including the engine, transmission, drive axles and driveshaft. Like the basic warranty, consumable parts such as hoses and belts are not covered. However, most of the internal parts of the engine, such as the pistons and bearings, which are also subject to wear and tear, are covered by the drive train warranty.

Roadside Assistance: Many manufacturers provide a service that will rescue you if your car leaves you stranded, even if it's your fault. Lock yourself our of your car? Run out of gas? Got a flat tire? A call to the manufacturer's toll-free number will result in somebody showing up who can help you out. There is a huge variance in these programs so check ahead of time to see what is covered and what you will have to pay for.

Rust or Corrosion Warranty: Rust or Corrosion Warranty: This warranty covers the vehicle's sheet metal, and protects you from rust and corrosion that are severe enough to cause a hole - surface rust is not covered. However, if you keep your car washed and waxed rust shouldn't be a problem.


FAQ's

What type of auto loan am I applying for?
All effort is made to locate an auto loan approval through one of our affiliated direct lenders with a same as "cash" voucher or draft to use like a check to pay for your vehicle. When an approval cannot be granted, our Preferred Special Finance Auto Dealer's go to work for you to find you appropriate Subprime loan for you.

What is the difference between Prime lending and Special Finance or Subprime auto loan?
Prime lending is for people who have excellent credit, with no recent dings on their credit history. Special Finance, also know as Subprime auto loans, are granted to people who have less than perfect credit.
Does applying to multiple lenders for auto financing have a negative affect on my Credit Bureau score?
No. At the present time, the credit scoring agencies say that all credit inquiries within a 14 day period associated with one type of buying are consolidated into one inquiry for scoring purposes.

What determines my auto loan interest rate?
Interest rates are set according to the condition of your credit. Lenders and auto dealers use a credit rating score and their own internal rating criteria to determine APR to be set for your auto loan. The credit rating score is normally referred to as FICO or Beacon. Prime borrowing is usually a score above "680", and interest rates for a prime customer are generally 9.99% and lower. A score between "525 and 679" is considered special finance or subprime. Subprime lending rates will usually fall between 9% and 24% depending on your score and present personal credit circumstances.

Will I be required to have a down payment for the purchase of my auto?
Down payments, if required, usually are 10% or $1,000 whichever is lower. Your present credit standing will determine the need for a down payment. It is always wise to be prepared to have a down payment, and then be pleasantly surprised when one is not required when finalizing your auto financing.

What basic criteria are needed to apply for auto financing?
You must be at least 18 years old. Your monthly income from one source of employment and "other income" (court ordered child support, documented rental income, etc.) should be a minimum of $2,000 for a direct auto loan, but can be considerably less when using indirect financing through an auto dealer. You need good residence and employment history showing of at least 2 years . at the same location.

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