Financing can seem challenging at first, but with the help of our Kia finance team, you won’t have any trouble finding a great deal for a new Kia car. At Jake Sweeney Kia, you can always expect top-notch service from a team that truly cares 

How Does Credit Affect Car Loans?

Of all the questions that our financing team receives, we’re often asked about how credit scores affect your ability to find a suitable loan or lease deal.

Essentially, a credit score is assigned by a lender to show the financial trustworthiness of a potential buyer. Credit scores are highly flexible numbers that can shift depending on your existing lines of credit and how long it takes you to pay off a specific credit line.

While a poor credit score won’t necessarily prevent you from buying the car of your dreams, a great score can result in a remarkable deal.  

How to Secure a Loan with Poor Credit

In short, credit scores do matter when it comes to financing, but there are ways to get around a bad credit score.

One way you can get a better deal with bad credit is to provide a substantial amount of money up front. Down payments are lump sums of money that are paid towards the value of a vehicle. Typically seen in auto loans, down payments can reduce your overall financing amount, which can in turn reduce your monthly financial burden.

That being said, if you’re looking for other ways to get a solid auto loan or lease deal, our financing team will certainly help.  

Kia Financing at Our Kia Dealership 

When you visit our Florence, KY Kia dealership to apply for financing, we’ll make sure the process is simple and easy. No matter your budget or your ideal car, our team at Jake Sweeney Kia is here to be your car buying guide.