Financing Used Cars Near You

Does the thought of applying for an auto loan terrify you? If you don’t have outstanding credit, financing used cars near you can be a struggle. The secret to a successful experience? Working with an experienced used car dealership near Janesville, WI. Evansville Ford is ready to help you finance your next used car for sale today. Whether you have flawless credit, poor credit, or no credit, our expert team is ready to roll up our sleeves and help.

Before you skip out the door to our used car dealer near you, let’s review some helpful steps to take ahead of time. For customers with bad credit, a little bit of preparation goes a long way towards getting a favorable car loan!

Preparing To Apply For Your Car Loan

Your very first step should be checking your current credit score. There are many free resources online that allow you to view your score in seconds. If you aren’t pleased with your credit health, try not to worry. Our Janesville used car dealership offers a wide range of financing programs. We’ll go the extra mile to help you get into the ideal used car near you.

After you check your credit score, consider taking steps to improve it before you visit Evansville Ford. Boosting your score can help you qualify for more favorable loan terms. Before you apply to finance that used truck for sale near Janesville, WI, consider these actions.

• Are outstanding payments the cause of your low score? If you have missing or overdue payments, clearing them will help raise your credit score.
• When you check your credit report, examine it carefully. If there are any errors, they can be disputed with the reporting credit bureau. Correcting these errors is a painless way to improve your score.
• Try your best to pay off any outstanding debts. If you can’t manage to pay off the entire amount, paying off what you can will make it easier to finance that used car near you.
• Don’t close out any unused credit accounts before you apply. These accounts contribute to both the age and amount of your credit – important factors for any lending agency.
• Don’t shop around too much – having too many inquiries on your credit signals financial distress! Wait to apply for your financing until you’re ready to pull the trigger.

What To Bring To Our Used Car Dealer Near Janesville

Before you visit Evansville Ford, you’ll want to have the right documents with you. When you’re ready to buy a used car near you, make sure to bring along the following pieces of information. You’ll have a smooth, enjoyable experience at our used car dealership near Janesville, WI!

• Proof of identity – Lenders need to confirm your identification, per federal regulation. A driver’s license is the most common form of ID, but you can also use a passport or state-issued ID card.
• Proof of income – To verify your income, you should bring pay stubs that demonstrate your yearly earnings to date. Some customers use bank statements – if you do so, it’s a good idea to bring the last 6 months of statements. Self-employed customers can bring their tax returns from the last few years, and your most recent 1099 form.
• Proof of credit history – You’ll need to share your social security number with our used car dealer near you, so we can run your credit.
• Proof of residence – Our Janesville used car dealership needs to verify your residence. A mortgage statement, lease agreement, utility bill, or credit card statement will do nicely!
• Trade-in title – If you’re trading in your current car for your next used car for sale, don’t forget your title and registration! Having your title and registration handy will speed up the process at our used car dealership near Janesville, WI.
• Proof of insurance – Federal law mandates all customers to have active insurance policies. Before you can drive off into the sunset in your next used car near you, you’ll need to show proof of an insurance policy.

Visit Evansville Ford Today!

Now that you’re ready to apply for your next auto loan, what’s holding you back? Stop by Evansville Ford today to find and finance the used car of your dreams. Whether you’re shopping for used trucks for sale near Janesville, WI, or a used hybrid car, our selection can’t be beat. For quality you can trust, and an easy financing process, you can count on your friends at Evansville Ford.