Can I Get In-House Used Car Financing?

Woman white car keys leaning out of white car

Like many other used car dealerships, we do not offer in-house financing. Instead, we work with multiple lenders to compare interest rates and get you the best rate possible, regardless of your credit score. At Karz Plus, we offer Escondido drivers a wide selection of new-to-you vehicles that will upgrade your daily commute or get you the truck you need for the jobsite. We take pride in our vehicles and want you to get the best monthly payment possible. Learn more about our financing options below, then contact us with your specific questions.

Car Loan Shopping Basics

When you shop for a car loan around San Diego, you may be aware that you have multiple options. You can finance at the dealership through their in-house financing (if it’s offered) or through their variety of lenders. You can also find a third-party lender or get a loan from a trusted bank. Because dealerships like Karz Plus have multiple lenders, they have more flexibility when it comes to your monthly payment and interest rate. You may also get additional benefits to your deal when you finance with a dealership. We’ve listed a few benefits of leasing with a dealership below:

  • A dealership works with multiple lenders to get you the best deal possible.
  • Filling out a single finance application will get you multiple finance options.
  • When you finance with a dealership you may get additional incentives on your purchase.
  • When you finance with a dealership, you have more room for negotiation, which may get you a lower monthly payment.
  • Special incentives are often offered on new and used vehicle models.
  • It’s easier than researching, finding, and visiting multiple lenders to fill out an application and wait to be approved. Plus, you’ll protect your credit score by only applying once.

The Benefits of Financing a Used Car

Drivers who are searching “used cars in-house financing near me” may have already decided on whether or not they want to buy or lease their vehicle. There are many benefits to purchasing your vehicle from a dealership in Chula Vista, including the option to modify your vehicle with parts and accessories and the ability to sell the car later on. Read more about the benefits to owning a car below:

  • Customize your vehicle with parts and accessories that will make your ride more enjoyable and more efficient.
  • Drive freely with no mileage limits or lease terms.
  • Financing a car with Karz Plus is more straightforward than leasing. You can even apply online to save time at the dealership!
  • Trade-in your car to the dealership when you’re ready for a new one. When you value your trade-in, you can use the additional money towards your down payment.

Finance Your Car at Karz Plus!

When you’re searching for used car lots with in-house financing, don’t commit yourself to one type of lending option. When you finance with a dealer like Karz Plus, you’ll get a lower interest rate and monthly payment because of the multiple lenders we work with. We also have car buying tips for you to browse like how to refinance a car loan and used vehicle specials to save you extra money when purchasing a car. When you’re ready, visit our showroom to browse our inventory and take a test drive!