Finace Car Loan in New York

Finance Center

We Make Financing Your Vehicle Easy!

When you purchase a vehicle, you want to be sure to get the financing side of things right. After all, obtaining optimal financing could make a big difference in the overall price you pay. That's why we at Atlantic Auto Group work hard to take care of our customers with multiple attractive financing options that can help to simplify payments, save money, and create a satisfying ownership experience.

Fill Out Your
Finance Application

At our dealership, where we serve drivers all across West Islip, NY and Hempstead, we understand that the financing process can be quite confusing and intimidating. For our customers, though, we want to help make the process as simple as possible. That's why we allow you to begin the process before you head to the dealership by filling out our pre-approval finance application on our website. Filling out the application at home ensures that you're not caught off-guard by any of the questions on the application. Plus, you can take your time in finding the correct paperwork regarding income, expenses, and debt so that you can be sure that the application is accurate. This benefits you because an accurate application helps ensure that the financing options we present to you match your current financial picture.

Finance Application

Working with
Multiple Lenders

When it comes to working with lenders, we don't believe in monopolies. Instead, we work with as many lenders as possible so that our valued customers around Queens and Bay Shore have multiple opportunities to receive excellent financing options. We work with both national and local lenders as well as with the manufacturer to find the best financing options for you. Why does it matter how many lenders we work with, though? The answer is that no two lenders are alike when it comes to the terms they offer various borrowers. They all have different income, debt-to-income ratio, and other requirements that they're looking for. Thus, even someone with a good income and excellent credit can receive wildly different financing options based on which lender they select. To ensure we don't miss a single option, we work with dozens of reputable lenders.

Explore Your Options

What is Financing?

If you're new to the world of car buying, you may wonder about the different components that make up a financing package. The first consideration is the down payment. When you come to our dealership and buy a Cadillac, Chevrolet, Genesis, Honda, Hyundai, Lexus or Toyota, you'll need to consider how much you want to initially pay for the vehicle. In some cases, your down payment will be determined by your creditworthiness, meaning that it's a good idea to have at least some money saved before you decide to buy a car. Even if a down payment isn't required, though, it's still a good idea to make your down payment as big as possible so that you can enjoy a lower monthly payment over the term of the loan. Another important component is the term of the loan. This is the length of time over which you will pay back the loan. Common terms are 36 months, 48 months, and 60 months, although there are loans available with longer or shorter terms. Typically, the shorter your term, the lower your interest will be. Finally, you'll need to consider the interest rate. This number is determined based on the loan you select and your overall creditworthiness. A lower interest rate can make your monthly payments much more affordable.

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We'll Explain it All

At our dealership, we want you to be totally confident in your purchase decision in New York. Since a big part of this decision is the financing package, we will go out of our way to explain your options and answer any questions that you may have. To get started on the journey toward a new car, please give us a call today.

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