Financing/Credit Application

Financing Questions? Call Rick , Sales & Finance Director 770-554-0300

 

     You've found your next vehicle at Graham Auto Sales.  We are happy you're here and look forward to being your trusted automotive source! Rick our Sales & Finance Director has over 27 years of automotive experience working with banks and credit unions to arrange the best possible finance package for you.

        We offer Primary Bank Financing, low interest loans; as well as, Secondary Financing or Second Chance Financing.  Reposessions, Bankruptcy, Foreclosures, or just Bad Credit do not prevent you from approval. Our lenders understand the current economic conditions and value your time on the job and ability to repay.  Planning on paying cash?  Interest rates are at an All-Time Low,  consider financing all or part of your purchase and keep your cash liquid.


Apply online with our Secure Credit Application,
a sales representative will contact you within 24 hours.

 

We can help you by:

*Working with our network of banks and credit unions that compete with each other to help you get an approval for a loan at the  lowest interest rate possible for your specific situation.

*Keeping your credit line open at your personal bank in the event an emergency should arise by using one of our lending sources.

*Structuring your down payment, monthly payment, interest rate and loan duration to fit within your budget.

*Calculating your trade-in value and assisting with your current loan, even if you're in a negative equity position.

*Making sure your credit application is handled in the utmost confidence so that your information is treated with respect.

 

Your satisfaction and peace of mind is our goal!

 

Order your FREE credit report

Contact one of the three major credit reporting agencies to get your credit report, including your credit score, by phone or via their website.

 

We comply with the Truth in Lending Act and the Consumer Credit Protection Act. We strive to protect consumers in credit transactions, by providing clear disclosure of key terms of the lending arrangement including all costs. This includes full disclosure to the borrower including the annual percentage rate (APR). The APR reflects the cost of the credit to the consumer. It contains things other than interest such as origination fees and discount points. The Truth-in-Lending Act defines "finance charge" as all fees paid either directly or indirectly by the person to whom the credit is extended, incident to the extension of the credit. Graham Auto Sales is glad to work with you to make sure you clearly understand the terms of the loan, including any prepayment clauses, interest rates, any deferred payments, down payment required, and answer any questions you have regarding assignment, itemization, your loan balance, loan maturity, and any other obligations you need to satisfy concerning your vehicle financing.

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