New & Used Automotive Financing Experts

After researching the perfect vehicles, going on several test rides, and making your final decision, you’ll need to sit down with the automotive financing team at Thomas Nissan to figure out the most cost-effective way to make your purchase. At our dealership, we offer competitive rates and loan terms that fit any credit situation, helping our customers get into the best vehicle possible. To start financing, you don’t have to wait until you’re ready to sign on the dotted line. In order to get into your new vehicle quicker, our dealership offers several convenient online tools that allow you to get started determining your final budget and how much you would be willing to spend as a monthly payment before you even get on the lot. 

How Does My Credit Score Affect My Ability to Receive an Auto Loan?

At Thomas Nissan, we understand that sometimes extenuating circumstances can negatively impact your credit score, including periods of unemployment and medical emergencies. Our finance team works with customers with all kinds of credit scores, from spotless reports to more detailed history. We have working relationships with local and national lenders to provide competitive rates that fit within your budget and current credit situation.

Determining Your Budget

The first decision you need to make when it comes to car shopping is your budget. Rather than struggling to determine your top figure on your own, Thomas Nissan offers an online payment calculator that allows you to input critical data including the price, interest rate, loan term, down payment, and any trade value coming from your existing vehicle. Each field is customizable and when calculated can provide the customer with an estimated monthly payment expected. Once you have an estimated payment that fits within your budget, you can apply for an auto loan and get pre-approved before you take your first test drive. 

What is Your Trade-In Value?

When it’s time to get a new vehicle, you’ll have to figure out how to handle your existing car. Our dealership offers a tool that allows you to determine the current worth of your car. By entering information like the year, make, model, and trim level of the car, you’ll be able to get an estimated value determined by criteria set by Kelley Blue Book. The trade-in value can be used as a credit towards the purchase of your next car or as a cash value if you sell to our dealership. 

Auto Financing in Joliet, IL

Whether you are just starting to research possibilities for your next model or you’re nearly ready to make a decision, the automotive financing team at Thomas Nissan is here to guide you through the process. Our finance department is available six days a week for consultation, and our website is always accessible if you are interested in performing initial research at home. To get started, call or visit our convenient location on North Larkin Avenue across from the North Ridge Plaza today!