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A Complete Guide to Financing Your Car Purchase: Exploring Your Options

When it comes to purchasing a car, the options can seem overwhelming. From choosing the right make and model to deciding on the perfect color, there are countless decisions to make. One of the most critical choices you'll face is how to finance your car purchase. At T&D Auto Group, we understand the importance of this decision and are here to guide you through the process with sincerity and reliability.


1. Traditional Auto Loans

Salesman giving buyer car's key and shaking hands.

Traditional auto loans are a popular choice for financing a vehicle. These loans are typically offered by banks, credit unions, and even some online lenders. They allow you to borrow a set amount of money and repay it with interest over a predetermined period, often ranging from 36 to 72 months.


2. Dealership Financing

Woman behind a desk analyzing finance documents.

T&D Auto Group offers in-house financing options, making it convenient for you to secure a loan right at our dealership. Our family-oriented approach means you can trust us to provide you with transparent and competitive financing options tailored to your needs.


3. Lease vs. Buy

Two white street signs with "Lease" pointing to the right and "Buy" to the left.

Deciding between leasing and buying is another crucial decision. Leasing offers lower monthly payments and the opportunity to drive a new vehicle every few years, while buying means you'll own the car outright after your loan is paid off. We'll help you understand the pros and cons of each option.


4. Credit Score Matters When Financing Your Car Purchase

Smart phone showing credit scores on its screen.

Your credit score plays a significant role in financing options and interest rates. Our team will work with you to find financing solutions that match your credit situation, from enrolling you in our credit boost program to ensuring you receive the most competitive rates possible.


5. Down Payments and Trade-Ins

Two people sitting at a table with their hands on a stack of money.

We're here to help you explore strategies for reducing the initial cost of your vehicle. Consider making a down payment or trading in your current vehicle to lower the overall amount you need to finance. At T&D Auto Group, we also offer a down payment assistance for qualified applicants. Our team will help you navigate different options.


6. Extended Warranties and Insurance

Two people discussing insurance for a new car.

At T&D Auto Group, we value your peace of mind. We offer extended warranties and can help you navigate insurance options to protect your investment. Our goal is to ensure your car-buying experience is not only trustworthy but also hassle-free.


7. Explore Special Offers and Incentives

Image of a post it note with the words "Incentive Program".

Stay up-to-date with our website and social media for special financing offers and manufacturer incentives. We regularly update our promotions to provide you with even more value.


8. Online Tools and Resources

Man and woman looking at a tablet on a desk.

Our website is designed to be helpful and informative. You can use our online calculators to estimate monthly payments, explore trade-in values, and even apply for financing from the comfort of your home.


At T&D Auto Group, our commitment to trustworthiness and reliability extends to every aspect of your car-buying journey, especially financing. We believe that earning your trust means providing you with the knowledge and options you need to make informed decisions.


When you choose us, you're not just buying a car; you're joining our automotive family. We're here to support you every step of the way, from exploring financing options to driving off the lot in your dream vehicle. If you're ready to explore your financing options with a dealership that genuinely cares about your needs, visit T&D Auto Group today. Trust and drive with us.

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T&D Auto Group is proud to be a member of the Fresno, CA business community and to bring one of the greatest selections of used automobiles in the region.

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