Finance FAQs
How can I know if I'm pre-approved?
You can get pre-approved in a variety of ways. Either you're working with your local bank or credit union to get approved for a car loan ahead of time, or when you go through the finance process with us, which we make simple using E-Z Buy and via our finance team who are here to help you.
What is the financing process like?
At Empire Pre-Owned Superstore, our goal is to try and make the financing process as simple as possible. When you decide on a vehicle, our sales team will take the price of the vehicle, apply any savings, along with your down payment if you have one, or a trade-in if you have one and come up with a final price that we all agree on. From there, our finance team will run your credit or take the financing rate you were approved for from your finance institution and come up with a monthly payment plan. You can choose the right plan for you, and after that a few things are finalized and you're ready to go!
What will a finance application do?
The finance application is used to help you apply for a car loan for your purchase. We use it to either verify the approval you got from your bank or credit union, or to run through our database to find you the right rates. It does pull a hard credit score, so afterward your credit will go down. But, after a few payments to your vehicle, it will go to where it was before. Not only that, but a finance application like our online one allows you to save time as our finance team can easily pull the information on our secure website and get you the right financing ahead of time so when you've found your ideal used car, we'll have the payment plans ready for you, saving time and paperwork at the dealership.