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FAQ'S
Relax, and Enjoy Buying a Vehicle Applying for financing or leasing doesn't need to be complicated. In fact, with a good credit history and a simple understanding of financing terms and procedures, it can actually be a relatively easy experience. Here are a few suggestions and details to help you when applying for credit. study this page and Click on the "Get Pre-Approved" link above for a quick and easy credit approval. Establishing good credit is one of the most important steps toward purchasing a car. A solid credit history can broaden your financing options and increase the amount of money that lenders are willing to lend you. OC Nissan Irvine can usually find a way to finance people with no credit or an adverse credit history. But, bear in mind, even a few bad marks on your credit record may lead to higher interest rates and ultimately cost you more money in the long run. Months before you buy pay down debts below fifty precent and maintain steady employment will help raise your credit score. The bigger your initial down payment, the less you will have to finance. With a lower amount to finance, your total interest charges will also be less. No one knows your personal situation as well as you do, so consider how much you can afford to pay each month, and plan accordingly. Also, do not forget to figure in taxes and other expenses when doing your planning. The APR, or amount of interest you can expect to pay annually, varies from creditor to creditor. When buying a vehicle you can usually take out a loan from banks or credit unions, or apply for financing through other financial institutions, including Nissan Motor Acceptance Corporation (NMAC). We can help you with the financing process. Shop around for the best APR, then check with us to see what financing options are available through OC Nissan Irvine . For your convenience, if you qualify, you can get pre-approved for financing through our online pre-approval process (click "Get Pre-Approved"). Finance contracts and leases generally range from one to five years. Longer-term contracts typically have a higher APR than short-term ones, but usually offer lower monthly payments. While you could sell your car on your own, trading it in offers several advantages: Bring These to the Dealership: Come prepared with these documents, as some or all of these may be needed:
The key to a pleasant and successful dealership experience is preparation and making sure all of your questions are answered. To avoid dealership anxiety, come prepared with questions in mind and goals for making your visit to the dealer an enjoyable experience. · Before visiting us, schedule an appointment for immediate service. We recommend you test drive a vehicle before buying no matter how others may praise it. A few notes: Most new vehicles have a 1,000-mile break-in period, so during this time you'll want to keep in mind your vehicle's recommended guidelines to help preserve quality and performance. Refer to your Nissan owner's manual for vehicle-specific instructions on break-in and care of your Nissan. To ensure that your car runs well and has a higher resale value down the road, give it the regular cleaning, maintenance and safe operation a major investment deserves. You've got questions, we've got answers. How do I decide between buying and leasing? There are advantages to both, but no difference in maintenance or operating costs. Generally, leases are better for those who drive up to 15,000 miles each year, take excellent care of their vehicles, and want a new car every two to four years. You only have to pay for that portion of the car's life that you use.Buying is ideal if you drive a lot of miles, put your vehicle to heavy or rough use, and want to build equity. You can also sell, customize or trade your Nissan if you wish. Back to Top
Live by a realistic budget. Let your budget be your guide to spending, not your credit limit. Make timely payments at or above your minimum required payment. Don't overextend yourself. Maintain steady employment. Keep close track of your expenditures and your bills to guard against credit fraud. If you plan on making a major purchase on credit, order a copy of your credit report beforehand and review it for negative entries that might need to be resolved. How large of a down payment do I need to make? The bigger your initial payment is, the less you will have to finance. With a lower amount to finance, your total interest charges will also be less. No one knows your personal situation as well as you do, so knowing how much you can afford to pay each month, and planning accordingly is always advisable. Also, do not forget to figure in taxes and other expenses when doing your planning.
How much is my trade-in worth? It depends on a number of factors, including the vehicle model, year and condition. You can also get a general idea of your car's worth by checking independent car value guides. However, a vehicle survey by us is always necessary to determine the final trade-in value. Can I make more money selling my car on my own, versus trading it in at a dealer? While in some case you may be able to make more money selling it on your own, trading your car in to OC Nissan Irvine offers several advantages. You are likely to get immediate cash or credit. We will handle the paperwork and might pay off your current loan/lease. And you won't have to deal with some of the hassles associated with selling a car on your own. No running ads, no title transfer paperwork, no strangers in your car, and no bad checks. 1 84-month/100,000-mile limited warranty, whichever occurs earlier. For complete information concerning coverage, conditions and exclusions, see your Nissan dealer and read the actual limited warranty. 2 Roadside Assistance/Towing Assistance/Trip Interruption is provided for a period of up to 84 months from the original in-service date or 100,000 miles on the vehicle's odometer, whichever comes first. 3 Pre-Owned contracts must be purchased at the time of sale. |
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