While you have several options when it comes to how you finance your soon-to-be 2014 Kia Forte, your best option may be to get financing from your Kia dealer. A dealer typically has connections with a large number of national and regional lenders, which means more financing options for you. In addition, a dealer may have relationships with these lenders that may result in a lower interest rate for those with average or above average credit.
If you have less than stellar credit or don't have an impressive credit
history, a dealer may be able to obtain financing with fewer conditions. For
instance, it may be possible to get a loan through a dealer with a lower down
payment, which may make it easier for you to afford your monthly payment for a
sleek Kia Forte.
While many people believe that they can't get the best interest rates when they
get financed through a dealer, it is not always the case. Depending on your
credit score and other factors, you may qualify for 0 percent financing or cash
back that will lower the price of the car and the amount that you have to repay.
One of the best reasons to work with a dealer to get financing is that a dealer
may be able to do preliminary credit screening. This allows you to ask multiple
lenders about getting a loan without any hard inquiries being performed. When
you find a lender you like, you can then submit a formal application with
confidence, and it won’t be long before you’re driving a 2014 Kia Forte.