FINANCE
Many car buyers use the Internet to save time and money. They research vehicles, search inventories, and value their trades online to make the experience at the dealership as quick and convenient as possible.
The one step many overlook is to start the finance process. Financing your new purchase can be the longest part of the process, even for those with perfect credit. There is paperwork to fill out, documents to sign, credit files to be pulled, credit applications that need to be submitted to lenders and additional documentation that may be required under recently enacted federal rules.
Midstate has the solution. By taking advantage of our 2-minute Credit Application, you can get on the fast-track to financing and cut down on the time spent at the dealership and start enjoying your new vehicle a little quicker.
Not sure about your credit score? Applying for auto credit online is an easy way to “test the waters” to see if your credit is where it should be. Just click below to start the fast, easy process.
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Worried about your credit? Do you believe you are a good credit risk, but have had past problems that were out of your control? We can help. With a full range of financing options, including national lenders, regional banks, manufacturers finance arms & local credit unions we have more choices to help you drive the car you deserve. Take 2 minutes to let us help you. |
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How do I apply for a loan?
Simply provide the required information by clicking on either the prime credit or credit issue button above and provide the required information.
What if I do not want to submit my information on-line?
You can print out our manual application by clicking on the link at the bottom of this page. Print it out, complete it, and sign it where it has been highlighted in yellow or orange. Please fax it to (802) 479-0845, or drop it by the store.
Zero percent versus conventional rates and a rebate?
You can use our payment calculator to figure the difference in your monthly payment by calculating your loan at 0%, then you can calculate your payment using a conventional rate (be sure to deduct any additional rebate you may qualify for not electing to take 0% or the low rate offered.) There is no clear cut answer. Some times financing a lower amount at a conventional rate will result in a lower payment than low rate financing, if getting the lower rate required you to give up a rebate. In these cases, there is no question, go with the lower payment using conventional rates. If you get a lower payment with the zero percent offer, ask yourself how often you trade? If zero percent saves you only a couple dollars a month and you plan on trading early on in your loan, zero percent can leave you owing more when you pay the loan off early. Questions, give us a call, we would be happy to review all your options.
Do you make vehicle loans to businesses?
Yes, we offer auto loans for businesses. We are unable to process these applications on-line. Please complete a manual credit application, which you can print off by clicking on the link at the bottom of the page. Once you print it out and complete it, please fax it to (802) 479-0845, or drop it by the store.
What is your policy as it relates to personal information?
Our privacy policy is accessible by clicking on the link at the bottom of the page.
