A credit application at the dealer will result in one or more inquiries posted to your credit file. When you arrive at the dealership, you can test drive the car, and you will fill out a credit application and provide any information needed for review to complete your financing. If you choose to do so, you’ll also let the dealer know your preferred method of communication so the dealer may contact you to discuss next steps. When available, before visiting the dealer, you can provide the dealer with your most up-to-date personal, contact, residence, income, and employment information, as well as your proposed financing terms, pre-qualification status, information about the vehicle you may be interested in financing, and saved cars at that dealer by using the ‘Check Availability’ button (this feature is not available for all dealers and is not a required step). When you visit a participating dealer, show them your Auto Navigator pre-qualification offer for the vehicle you would like to finance. Remember, you can use your mobile phone to configure pre-qualified financing for vehicles you're considering and compare your options at the dealer. Personalizing Your Offer:Īdjust things like your down payment, term length, and more to build the deal that's right for you. Inventory availability is subject to change without notice. Don't forget, your pre-qualification can only be used to buy one, personal-use vehicle. And although we can't guarantee that participating dealers display all of the vehicles they have available for sale, you can still use your pre-qualification at any participating dealers. Finding Your Car:Īuto Navigator provides participating dealers' advertised inventory to help you search and save your favorites to find the car that works best for your budget and lifestyle. If you pre-qualify, you will be able to see your monthly payments, APRs, and offers for vehicles you may be considering. But don’t worry, it won’t impact your credit score. Prior to visiting a participating dealer, submitting a request to pre-qualify for auto financing will allow for a review to determine whether you pre-qualify. You can then pick up your new purchase and drive away!Įxperience the AAA difference today - quick and easy finance along with exceptional customer service.I.
Once settlement has occurred, we inform both you and seller. Monies are usually transferred overnight to the seller or dealer. The loan is sent to the lender for settlement. This certificate will need to list the financier as an interested party on your insurance policy. Your insurer will provide you with a ‘certificate of currency’ as proof of insurance. This type of protects you, your new purchase, and the lender. This will include comprehensive insurance, which is a requirement of all secured loans. Simply sign and return your loan documents by email along with any requested documents. Your loan contract is emailed to you for signing. We also discuss any approval conditions, such as, comprehensive insurance and repayments via direct debit. Once your loan is approved, we contact you with the approval details – loan amount, interest rate, loan term, repayment amount. Most loan approvals take less than 24 hours. We then apply to the lender with the lowest interest rate and most suitable loan terms. Get approvedĪAA Finance assesses your application and discusses your loan with lenders that suit your circumstances. Once we have taken your application, we will be able let you know exactly what documents we will need to get your loan approved. Documents usually include your drivers’ licence or passport rental agreement or rates notice pay slips, bank statements, and / or tax returns. These will need to provide proof of who you are, where you live and your income. Secondly, email any requested supporting documents. We can either fill out the form over the phone for you or you can fill out the form in the comfort of your own home or workplace. We will get you the best deal in town! 4 easy steps to drive awayįirstly, complete our application form. AAA Finance has a team of finance experts and access to over 40 different lenders. The next step is find an experienced finance broker to get you a competitive loan approval to save you both time and money.
You have now looked at the figures and determined that your new loan repayments will fit into your budget.
Our car loan calculator can help you estimate your car loan repayments. This includes your work history, asset type and age, credit history and home ownership. The interest rate is determined by your individual circumstances. To calculate car loan repayments you will need to know the amount of the loan, including any lender fees and charges, the interest rate and the term of the loan. Caravan Loans and Camper Trailer Finance.
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