FINANCE DEPARTMENT
Car ownership is just a click away. Get approved for an affordable used car loan at Tim Short AutoPlaza.
WE MAKE GETTING APPROVED EASY
Tim Short AutoPlaza is your trusted source for auto financing in Lexington, KY. Our team works with a wide network of lenders to help you secure affordable car loans tailored to your unique needs. No matter your credit history, we strive to find solutions that make driving home in a quality vehicle possible.
ALL CREDIT SCORES WELCOME
No matter your credit situation, you may qualify for financing. Low credit or past challenges shouldn’t stop you from getting a reliable vehicle.
Our experienced finance team can help guide you through the process, ensuring you secure affordable loan options and get behind the wheel of a car you deserve.
REBUILD YOUR CREDIT
Financing a vehicle through Tim Short AutoPlaza can help you rebuild or establish credit. Consistently making on-time payments demonstrates financial responsibility and can improve your credit score over time.
Our team works with you to find manageable terms that fit your budget, making it simple to get back on track and build credit while enjoying your vehicle.
USED CAR FINANCING FAQS
What credit score do I need to qualify for a car loan?
While requirements vary, a score of 600 or higher is preferred. However, many lenders offer options for buyers with lower scores, though rates may differ.
I don’t have perfect credit. How can you help?
No matter your credit history—good, poor, or limited—we can work with you to secure financing for a dependable vehicle and help you get back on the road quickly.
What do I need to apply for a car loan?
You’ll need a valid ID, proof of income, proof of residency, social security number, and consent for a credit check.
How much down payment is required?
Down payments usually range from 10% to 20% of the car’s price. Some lenders may allow $0 down, but trade-ins can also be applied toward your down payment.
What is the average loan term for used cars?
Used car loans typically range from 36 to 72 months. Shorter terms reduce interest costs, while longer terms lower monthly payments. We help find the term that works best for you.
Can I refinance later?
Yes. Refinancing can lower your interest rate or monthly payments if your credit improves or market conditions change.
Financing A Car Has Never Been Easier
At Tim Short AutoPlaza, we believe everyone is entitled to a reliable vehicle. Whether you have good credit, bad credit, or anything in between, we’re here to help. Browse our inventory of affordable used cars online, and start your credit application today!