Credit FAQs

In a word – yes. Safford CDJR of Salisbury has an on-site team of financing experts who are committed to helping you get approved for the loan you need to drive home that new or used vehicle today. We work with a large network of trusted lenders, and our finance team members are ready to work hard on your behalf to secure some attractive auto loan offers regardless of your credit history.

A credit score is calculated from three main credit bureaus – Experian, Equifax, and TransUnion. Your score comes from an assessment of your credit history, taking into account things like number and type of loans, payment history, and other factors to determine your creditworthiness. The higher your score, the less of a risk you are to lenders and the more likely to get approved for a loan with a lower interest rate.

For FICO scores, the most common type of credit score, the range is from 300 to 850. A good score is generally 700 or above, while a score below 679 indicates fair to bad.

Monthly payments depend on a variety of factors – the price of the vehicle, how much you put down, your trade value, your credit score, and other important details all contribute to what your payments will be. For a quick estimate, plug in all the relevant info into our handy Payment Calculator and get a better idea of what you’ll pay each month.

Lucky for those with a challenged credit history, or who don’t have much history at all, getting approved for an auto loan at Safford CDJR of Salisbury is a great first step to improving your credit score. Make those payments on time month after month and watch as your financial future gets brighter and more stable. Think of that improvement as a fantastic bonus to the amazing vehicle you get to drive!
You can streamline the financing process on our website by learning all you can before you arrive. Browse our inventory to find the vehicles you’d like to see in person, submit a finance application, and get a quote for how much your trade is worth. Then, when you arrive at Safford CDJR of Salisbury, you’ll be ready to hit the ground running and make a smart purchase fast!