Here at Van Horn Budget Auto, we aim to be your one-stop shop for all your auto needs. As one of the best used car dealerships near Sheboygan, WI, we provide area drivers with a top-notch service center, and our finance team is filled with professionals looking to get you the best-suited deal possible. We know that applying for a car loan can be tricky, so we’ve put together a basic guide of how you can prepare.

Before even visiting our car finance center, you should check your credit score, as it plays a huge role in the interest rate associated with the loan. The score is based on information found in your credit report, such as your ability to pay back loans or credit cards on time.

Once you have your credit score, the next step is to figure out how much you can realistically afford to spend each month on a car payment without stretching your budget. Car loans typically come in three- to six-year terms. The longer the term of the loan, the lower your monthly payment will be. The downside with a longer loan is that you’ll owe more than the vehicle is worth for a longer period of time.

Then, it’s time to get pre-approved. During this step, you’ll visit our dealership’s finance center serving Manitowoc, WI and meet with a professional. If you qualify for a loan – remember, we lend to people of all financial backgrounds – you’ll get a pre-approval that will be good for a certain period of time and up to a certain amount of money.

To get the car finance process started, head on over to Van Horn Budget Auto. We look forward to pairing you with a used car and a customized loan!