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What Does Guaranteed Car Financing Mean?

car finance with mini car and coins


A low credit score doesn’t have to prevent you from getting approved for an auto loan. Rather than financing with a bank, you may be able to take out a guaranteed car finance loan directly through a dealership near you in St. Augustine. What’s the difference between financing with a bank vs. dealership? Your credit score is the number one factor for banks, but your dealership will consider other factors when they decide whether to offer you a loan. Explore your bad credit car finance and guaranteed car finance options in the guide below from the finance center at Hodges Mazda!

Where Can I Find Guaranteed Car Financing Near Me?

If you’re thinking about financing with your dealership, you won’t be searching very long for “guaranteed car financing near me.” You’ll find plenty of guaranteed car finance dealers in the Orange Park area — including Hodges Mazda! Whether you’re shopping for a new Mazda3 sedan or CX-5 SUV, our friendly auto finance experts will work with you to find a financing solution that fits your budget.

Build Your Credit with In-House Financing

Worried that taking out an auto loan could damage your credit? Actually, financing a car is an effective way to build your credit back up! As long as you make your loan payments on time, your dealership will report your payments to the major credit bureaus — and your credit score will get a boost. If you’re ready to get started, read more about the auto financing process here.

What Do I Need to Apply for Guaranteed Financing?

Like banks, guaranteed car finance dealers do still need assurance that you’ll be able to keep up with your loan payments. When you visit your dealership to get a guaranteed car finance loan, bring documentation that proves your current financial stability:

  • Proof of pre-tax monthly income of about $1,500 to $2,000
  • Proof of employment
  • A 10% down payment on the vehicle
  • A personal list of references

Discover MAZDA Financing Opportunities in Jacksonville

Are you searching, “Where can I find guaranteed car financing near me on a new Mazda CX-9 SUV?” If you have questions about bad credit financing, we’ve got answers. Reach out today and see how you can qualify for a guaranteed car finance loan in Lakeside!

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Hodges Mazda 30.175621, -81.547378.