- Complete an online finance application when it is convenient and take the first step toward exploring available financing options.
- Apply For Financing
- Down payment requirements vary by lender, vehicle and applicant. Trade-in equity may also help reduce the amount that needs to be financed.
- Questions about the process?
(541) 800-1852
- First-time buyer?
- Limited credit history?
- Previous late payments or credit challenges?
- Past bankruptcy, foreclosure or repossession?
- Working to rebuild credit?
- Our finance team can help explain the options that may be available based on the individual application.
Explore Auto Financing Options in Eugene, OR
Credit history is only one part of an auto financing application. At Kiefer Kia in Eugene, the finance team works with customers across a range of credit situations and can help explain available loan options based on the individual application. Whether the next vehicle is a new Kia, a Certified Pre-Owned Kia or another pre-owned vehicle, the goal is to make the financing process easier to understand from the start.
Lenders may consider several factors when reviewing an application, including credit history, income, existing monthly obligations, down payment, trade-in equity and the vehicle being financed. Rates, terms, down-payment requirements and approval are determined by the applicable lender and individual application. The Kiefer Kia finance team can help compare available options and answer questions along the way. When ready to begin, complete the secure online finance application or visit the Kiefer Kia Finance Center for more information.
How Does Subprime Auto Financing Work?
Subprime auto financing generally refers to loan options designed for applicants whose credit profiles may not qualify for some traditional lending programs. Credit scores can be influenced by factors such as payment history, amounts owed, length of credit history and other information in the credit file. A lower score does not determine the outcome of an application by itself, since lenders can evaluate additional financial information when deciding whether to offer financing and under what terms.
Before choosing a vehicle, it can help to establish a realistic budget. The Kiefer Kia payment calculator can be used to compare estimated payments at different vehicle prices, terms and down-payment amounts. A current vehicle may also provide trade-in equity, so shoppers can estimate their trade-in value before deciding how much to finance.
Vehicle price matters as well. Kiefer Kia offers used vehicles priced under $20,000 along with a broader selection of pre-owned cars, SUVs and trucks. Comparing vehicles within a comfortable price range can help keep the focus on the overall cost of ownership rather than simply targeting a particular monthly payment.
