Frequently Asked Questions

Here are the answers to the most commonly asked questions about West Virginia auto loans.

Will my lender be located in West Virginia?

No, not necessarily, because our lenders come from around the nation. All of our lending partners can offer West Virginia auto loans, but they do not need to be located in the state to do so.

Isn't it easier just to finance at the dealership?

This is exactly what the dealer is hoping you'll think, and, unfortunately, most consumers fall for it. The one-stop-shopping allure of dealerships that allow consumers to buy a car and take out a loan usually proves too tempting for most car buyers. However, you will almost never find the best deals on West Virginia auto loans when you go through the dealership. The dealer marks up the interest rate of the loans they offer, and they take the difference as a profit. You save more money, then, by just dealing directly with a lender on your own.

Are 0% financing offers really a good deal?

First of all, very few consumers have the requisite credit to qualify for 0% interest West Virginia auto loans. For those who do qualify, dealers usually make up the lost profit by overcharging you on the price of your car. Zero-percent auto loans often have very high monthly payments and extremely short terms, which can put a serious dent in your cash flow for a few years.

I want to buy a used car. Can I still get West Virginia auto loans on your site?

Yes, our lenders offer loans for both used and new vehicles. Keep in mind that used-car loans tend to have higher interest rates than new-car loans. On the other hand, used cars have significantly lower purchase prices, so you should weigh the costs and benefits before deciding to buy new or used.