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What not to do before financing a car?

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What not to do before financing a car?

Discover the freedom and flexibility of tailored auto financing at Valencia Auto Center. We understand that purchasing a car for sale is a serious investment, and we're here to make the process as smooth and affordable as possible for you. Our experienced finance team works with a network of trusted lenders to find you the best financing options to suit your unique needs and budget. Whether you're looking for low interest rates, flexible terms, or special financing offers, our auto center near you has the resources and expertise to create a customized plan that puts you behind the wheel of your dream car with ease and confidence. Your journey to car ownership is supported every step of the way, with financing that's tailored just for you.

At our auto center near you, our goal is to make the auto financing process as smooth and straightforward as possible. Financing a car for sale can be a significant step, and we're here to provide expert guidance and support throughout the entire journey. Our finance team is committed to helping you secure the best financing options tailored to your unique needs. As you prepare to buy a car, there are some important things to consider to ensure your financing experience is hassle-free and successful.

  • ​​Avoid Making Large Purchases: Making a large purchase on credit before applying for a car loan near you can increase your debt-to-income ratio, which could negatively impact your credit score and reduce your chances of getting approved for a favorable loan.

  • Don't Apply for Multiple Loans at Once: Each time you apply for a loan, a credit inquiry is made, which can temporarily lower your credit score. Applying for multiple loans within a short period can create the impression that you're a high-risk borrower, which may result in less favorable loan terms.

  • Refrain from Changing Jobs: Lenders often look for stable employment and income when assessing your loan application. Changing jobs shortly before applying for an auto loan may create uncertainty about your financial stability, making it more challenging to secure favorable financing at our auto center near you.

  • Avoid Closing Credit Accounts: Closing a credit account can decrease your available credit, which can increase your credit utilization ratio and negatively affect your credit score. Keep your credit accounts open and in good standing before applying for an auto loan.

  • Don't Ignore Your Credit Report: Before applying for financing, review your credit report for any errors or discrepancies. Addressing these issues beforehand can help improve your credit score and increase your chances of getting approved for a favorable loan.

  • Avoid Co-signing Loans for Others: Co-signing a loan for someone else means you're responsible for their debt if they fail to make payments. This additional financial obligation can negatively impact your debt-to-income ratio and affect your ability to secure favorable financing.

  • Don't Skip Payment Discussions: Discuss the loan terms, including the interest rate, monthly payment, and loan duration, with our finance team before finalizing your auto loan. Understanding the details of your financing arrangement will help you make informed decisions and avoid any surprises down the road.

 

At Valencia Auto Center, we're here to guide you through the auto financing process, ensuring that you're well-prepared and informed every step of the way. With our support and expertise, you'll be able to navigate the financing journey with confidence and drive away in the car for sale of your dreams.

 

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Exterior: 
Silver
Interior: 
Gray 
Mileage:
241,595
Engine:
Gas V6 3.3L/201
Model #: 
62442
VIN:
5NMSH13E78H130156
Stock #:
8H130156
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$3,788
This vehicle is available now at Autonation Chrysler Dodge Jeep Ram Valencia. * Standard PaintThis vehicle includes a Money-Back Guarantee* and passed our precise inspection process. Best of all the price you see is the price you pay. No haggling. No back and forth. No pressure. And this price is...   Read More
Exterior: 
Other
Interior: 
Black 
Mileage:
77,288
Engine:
Gas 4-Cyl 1.6L/98
Model #: 
0410
VIN:
WMWRC33474TC53206
Stock #:
4TC53206
Image
  
$5,488
This vehicle is available now at Autonation Chrysler Dodge Jeep Ram Valencia. * Standard PaintThis vehicle includes a Money-Back Guarantee* and passed our precise inspection process. Best of all the price you see is the price you pay. No haggling. No back and forth. No pressure. And this price is...   Read More
Exterior: 
Gray
Interior: 
Gray Leather
Mileage:
153,424
Engine:
Regular Unleaded I-4 2.0 L/122
Model #: 
46452F4P
VIN:
KMHDH4AH8EU155929
Stock #:
EU155929
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$5,555
This vehicle is available now at AutoNation Honda Valencia. * Sun/Moonroof * Leather Seats * Auto-Dimming Mirror W/Homelink * Carpeted Floor Mats * Keyless Start * Cargo Net * Rear Spoiler * First Aid Kit * Gray; Leather Seating Surfaces * Option Group 1 * Titanium Gray MetallicThis...   Read More
Exterior: 
Gray
Interior: 
Black 
Mileage:
124,056
Engine:
Gas 6-Cyl 2.8/170
Model #: 
0042
VIN:
WBAAM5337YFR15560
Stock #:
YFR15560
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$5,799
This vehicle is available now at Autonation Chrysler Dodge Jeep Ram Valencia. The following items have been reconditioned on this vehicle: new suspension parts! * Metallic PaintThis vehicle includes a Money-Back Guarantee* and passed our precise inspection process. Best of all the price you see...   Read More
Exterior: 
Green
Interior: 
Bisque 
Mileage:
157,530
Engine:
2.4L I4 Hybrid
Model #: 
2560
VIN:
4T1BB46K39U076204
Stock #:
1N1165A
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$6,581
This vehicle is available now at Hello Kia of Valencia. This 2009 Toyota Camry Hybrid Sedan in Jasper Pearl with Beige interior comes with a clean CarFax showing two previous owners and 27 service history records. It was last owned in California and regularly maintained, including recent oil and...   Read More
Exterior: 
Red
Interior: 
Black 
Mileage:
101,488
Engine:
2.4L I4 DOHC Dual CVVT
Model #: 
72222
VIN:
5XYKT4A15BG168924
Stock #:
1N1181A
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$6,997
This vehicle is available now at Hello Kia of Valencia. 2011 Kia Sorento LX in Dark Cherry with Black interior. This CARFAX 1-owner vehicle has been well-maintained with 22 service history records and was last owned in California. It features a 2.4L I4 DOHC engine and front-wheel drive. Key...   Read More
Exterior: 
White
Interior: 
Ivory Leather
Mileage:
164,673
Engine:
2.4L I4 DOHC 16V i-VTEC
VIN:
JHLRE38757C038914
Stock #:
1H0373
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$7,284
This vehicle is available now at Hello Kia of Valencia. Hello Kia Valencia is pleased to offer this great 2007 Honda CR-V EX-L in , beautifully equipped with.23/30 City/Highway MPG FWD 5-Speed Automatic with Overdrive 2.4L I4 DOHC 16V i-VTEC Awards: * 2007 KBB.com Best Resale Value AwardsFor more...   Read More
Exterior: 
Silver
Interior: 
Charcoal Black Leather
Mileage:
106,093
Engine:
Gas V6 3.5L/213
Model #: 
P2F
VIN:
1FAHP2FW0AG160058
Stock #:
AG160058
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$7,477
This vehicle is available now at Autonation Chrysler Dodge Jeep Ram Valencia. * Leather Seats * Chrome Wheels * 3.5L V6 Duratec Engine * Charcoal Black; Perforated Leather Seat Trim * Ingot Silver MetallicThis vehicle includes a Money-Back Guarantee* and passed our precise inspection process....   Read More
Exterior: 
Gray
Interior: 
Graphite Leather
Mileage:
135,704
Engine:
Gas V6 3.5L/213
Model #: 
84113
VIN:
5N1AL0MN3DC321242
Stock #:
DC321242
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$7,477
This vehicle is available now at AutoNation Hyundai Valencia. The following items have been reconditioned on this vehicle: new brakes! * [P01] Premium Pkg * Sun/Moonroof * Leather Seats * [B10] Roof Rails * Navigation System * 3rd Row Seat * [N92] Illuminated Kick Plates * [M92] Cargo Pkg...   Read More
Exterior: 
Black
Interior: 
Charcoal 
Mileage:
79,690
Engine:
Regular Unleaded I-4 1.6 L/98
Model #: 
11126
VIN:
3N1CN7AP8GL910370
Stock #:
GL910370
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$7,498
This vehicle is available now at AutoNation Honda Valencia. * [B92] Splash Guards * [L92] Carpeted Floor & Trunk Mats (5-Piece) * Rear Spoiler * [C03] 50 State Emissions * Charcoal; Cloth Seat Trim * Super BlackThis vehicle includes a Money-Back Guarantee* and passed our precise inspection...   Read More
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