Auto Finance 101 | Covington, GA 

If you've never done it before, financing a car might seem complicated and unapproachable. To help ease you through the process, the finance specialists at Ginn Chrysler Dodge Jeep Ram have put together a crash course in financing a vehicle.

What Does "Financing" Mean?

Financing a vehicle is simply taking out a loan to pay for it using money from a lender rather than in cash straight from your bank account. Though it is entirely possible to save up to purchase a vehicle outright, most of us don't have the disposable income to put down the full amount all at once. Financing allows you to obtain a new, reliable vehicle and make small monthly payments that fit your financial needs until your loan is paid off.

How Much Can I Afford?

Before securing a loan, it is important to have a rough idea of how much money you can afford to pay a month on your new vehicle. Though you might have your eye on a high-performance sports car, you might only be able to afford an economical sedan after analyzing your current income and bills. Regardless, opting for a longer loan period can help you secure lower monthly payments, meaning you won't be in the red at the end of the month and can even help you afford a vehicle that might otherwise be out of your price range.

Can I Finance with Bad Credit?

Absolutely. Ginn Chrysler Dodge Jeep Ram's excellent finance team is well-versed in helping customers with less than perfect credit secure loans. While other dealerships might charge outrageous interest rates or outright deny you a loan, everyone at Ginn CDJR is committed to helping you get the car you need for a price you can afford.

How Do I Get Started?

If you're interested in financing a Chrysler, Dodge, Jeep, or Ram vehicle from Ginn, you can fill out a free finance application on our website. The application only takes a few minutes to complete, and a handy video walks you through the entire process. If you would prefer to stop in, a finance specialist would be happy to help.

Whether you're ready to start the financing process or just want to learn a bit more about how it works, pay us a visit at Ginn Chrysler Dodge Jeep Ram and sit down for a chat with one of our financial experts.


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