Hubler Automotive Group

Financing Your Next Vehicle

When You Aren’t Happy with Your Credit

Trying to determine if buying or leasing a car, truck, or SUV is best for you? Both options have their ups and their downs. It takes careful consideration to know which option is best for you financially. Hubler Automotive Group is here to help! Don't hesitate to contact our finance specialists with any questions you have when determining whether to lease or buy your next vehicle at one of our dealerships in the Indianapolis area.

1. Check Your Credit Report

The best thing you can do before apply for a car loan is to check your credit report. Know what your credit score is and make sure there are no errors on your report that need to be corrected. You don’t want to end up with less than optimal financing because of inaccurate information on your report. Knowing where you stand in terms of credit can help you come into one of our dealerships with an idea of how much you can afford.

2. Pay Cash for Your Vehicle

Of course, this is far from feasible for everyone, but if financing leaves you in a less than optimal situation, paying cash for your next vehicle might be right up your alley. Hubler Automotive Group offers many affordable vehicles that you’ll be proud to drive. We’re happy to discuss the option of paying cash for any of our vehicles with you when you visit one of our dealerships.

3. Consider a Cosigner

A cosigner may help your loan rate considerably. If you have someone you trust who is willing to cosign on your vehicle, you may be in a much better situation than if you applied for an auto loan on your own. We’ll talk to you about cosigners when you apply for credit and encourage you to not rule out this option.

4. Consider a Longer Auto Loan

If your rate is causing your monthly payments to be higher than you can afford, consider stretching the life of the loan over time. This will get your monthly payments to a more affordable rate. Once you have payments you can afford, your credit will begin improving as you make each month’s payment on time!