How financing works.
We work with several lending partners, which gives us flexibility to put together financing that fits a range of needs, and you are always welcome to bring your own financing from your bank or credit union. Tell us what works for your budget and we will line up the options.
Fill out the credit application above. We send it to our lending partners, they compete for your business, and we present the best offers to you. You pick what fits your budget, we finish the paperwork, and you drive home.
What affects your rate.
Credit history — the biggest factor. A longer track record of on-time payments generally gets you better rates.
Term length — shorter terms (36–48 months) typically carry lower interest rates than longer ones (72–84 months). A longer term lowers your monthly payment but costs more in interest over time. We show you the comparison.
Down payment — more down usually means a lower rate and a lower monthly payment.
Trade in or sell us your vehicle.
Trading in is simpler than most people think, and you do not need the title in hand or a loan that is already paid off. If you still owe on your vehicle, we will appraise it, agree on a value with you, and handle the payoff with your lender directly. If you would rather just sell it, we will buy your vehicle outright even if you are not buying one from us. Trade-in value and outright purchase value are figured a little differently, so we will walk you through both.
A trade-in value applies directly toward your purchase, the same as cash down. We give you a straight offer based on condition, mileage, and market, with no lowballing after you've agreed to a deal.
Buying from Dykes Motors is easy.
The whole process is easier than you would expect. Most of it can be handled online or over the phone with one of our sales representatives, so you can be most of the way to done before you ever drive over. We also deliver, and in many cases the final paperwork is signed right at delivery, or electronically by email.
Your information is secure.
Your application is encrypted in transit and stored securely. It is shared only with licensed lenders for the purpose of arranging financing for your vehicle purchase.
