At Dahl Ford Onalaska, we want to help you take home the vehicle of your dreams, and we look at your entire financial situation to ensure that happens. Some of our lenders specialize in helping buyers with average credit, bad credit or no credit, and many specialize in buyers with good or great credit. We won’t know what your situation is until you’ve filled out the finance application online or we have met with you and you’ve chosen a vehicle on our lots. Our finance team will check every option to get you the lowest rate and the best terms available to you.
We are also a preferred lender with many local banks and credit unions and we can generally offer the same or better rates with your current financial institution. We want to give everyone access to the Dahl Ford Onalaska inventory of new, certified and pre-owned vehicles in La Crosse, Onalaska, and Winona. We strive to give every buyer the same “Blow Your Mind, Gotta Tell My Friends About It” guest experience, no matter what.
Looking for answers to some common finance questions? Look below, or contact one of our expert finance staff members today at Dahl Ford Onalaska!
When purchasing a new, used, or certified pre-owned vehicle, your credit is analyzed by financial institutions, insurance companies, and loan lenders to determine whether or not you are a high risk borrower. With a below average score, you will encounter higher insurance rates, higher interest rates, or even completely turned away. This will never happen at Dahl Ford Onalaska. We will do everything in our power to ensure you the lowest finance rate possible for your credit situation with our guaranteed approval.
Payment options include weekly, biweekly or monthly – you can make payments via check, debit card, credit card, online via mobile or desktop device, automatic withdrawals or one time payments or money orders. We want to make it easy for you to pay, whether it’s through a manufacturer like Toyota Financial Services, Ford Motor Credit, Ally Financial, a local credit union or bank, or one of our many other lenders.
Let’s face it. Credit matters, and other places like Buy Here/Pay Here lenders can be embarrassing to go to. We understand because more than 50% of Americans have less than a 640 credit score. You’re not alone. Most of us have been there at some point in our lives. But regardless of your credit score, our team is here to help you find the best auto loan to fit your situation.
Generally speaking, borrowers with a FICO from around 640 to 620 or lower, may be considered subprime. These folks may have been turned down at other dealerships or online in the past. However, this can vary quite substantially depending on the financing options we have available at Dahl Ford Onalaska, and can also change based on your CURRENT situation.
We look at all kinds of factors, like your current income, checking and savings account status, and more. Just remember, never assume that just because you have bad credit or little credit, that you won’t be able to buy a vehicle. Don’t think of loans as a problem but rather as an opportunity to build your credit. You can get a nice, reliable car or truck, and if you pay off that loan with no late or missed payments, the benefits will certainly be worth the time and help you save money in the future with a better credit rating.
You can request a copy of your credit report from any or all of the three major credit agencies – TransUnion, Experian, and Equifax once every year by visiting AnnualCreditReport.com or by calling (877) 322-8228. This is free. You can also get general information and advice from sites such as CreditKarma.com. Things that can affect your credit rating can include, but are not limited to, late or missed payments with a creditor, bankruptcy, foreclosure or defaulting on a loan, little or no credit history, too much existing debt, or having no assets that could serve as collateral.
Although the three main credit bureaus, Equifax, Experian and TransUnion have different qualifications, the typical estimated ranges are below.
Even if you’ve had credit problems in the past, we can finance your vehicle.
We’ve got the vehicle you’ve been looking for on our lot, and our expert staff is ready to help you find it. Whether you have good credit, bad credit, or no credit, we can help make sure you find the perfect vehicle for your situation. You can apply for credit online by simply filling out our short application, or you can contact our expert financial staff at Dahl Ford Onalaska and they’ll be more than happy to help get you where you need to be to take home that dream vehicle.
If you’re in the market to purchase a car, truck or SUV in the La Crosse, Onalaska or Winona area, stop in one of our dealerships and let us show you how we can help you get your vehicle financed. We are small town dealerships but we will work with you to get the best deal. We are competitive with rates, pricing and awesome vehicle warranties just like larger dealerships in bigger markets. We offer the Dahl Used Car Advantage on many of our vehicles. We generally have over 200 vehicles that are less than $20,000, three model years or newer and with under 50,000 miles! You’ll feel safe on the road and proud to have a Dahl Ford Onalaska sticker on your vehicle.