Finding the best financing option for your next vehicle can be a complex process, but at Humboldt Ford, we're committed to making buying a car as straightforward and stress-free as possible. Our experienced finance team is here to provide clarity on all your auto financing questions and concerns.
Whether you're buying your first car or upgrading to a new Ford model, our goal is to provide you with personalized advice and the most competitive financing solutions available. Connect with our Finance Manager, Octavio Ruiz, or our Sales/Finance Manager, Craig Nelson, at our Winnemucca Ford dealer and enjoy a rewarding car-buying experience that puts you in the driver's seat!
Auto Financing Frequently Asked Questions
01What are current interest rates to buy a car?
Interest rates fluctuate based on factors like your credit score, the duration of the loan and the lender. In 2025, rates for new cars generally range from 0% to 9%, while used car rates fall between 5% and 18%.
02How do I get a good interest rate?
Maintaining a strong credit score, having a stable income and making a sizable down payment are key factors in securing a good interest rate. Our team will also explore multiple lenders to find the best pre-approval opportunities for you.
03How much of a down payment do I need to finance a car?
Typically, you should aim for a 10% to 20% down payment on the vehicle's price. However, some lenders might accept lower amounts or even $0 down if you have good credit.
04What additional costs will I be responsible for when buying a new car?
Besides the car's sticker price, be prepared for additional expenses like taxes, registration fees, documentation charges and any optional service plans or accessories you choose to add.
05How can I find the value of my trade-in?
Determining your trade-in value is easy. Use the Kelley Blue Book tool on our website or bring your vehicle in for an expert used car appraisal at our dealership.
06Does my credit score impact my loan rate?
Yes, your credit score directly affects the interest rate offered. Higher credit scores typically result in more favorable rates.
07I have a low credit score -- can I still finance a car?
Definitely. That said, expect potentially higher interest rates and the possibility of needing a larger down payment.
08I don't have a credit history yet -- can I still finance a car?
Yes, you still have options. Lenders might require you to have a co-signer, agree to a higher interest rate or show consistent proof of income.
09What's the best length for a car loan?
The ideal loan term should meet your monthly budget and ownership goals. While loans as long as 84 months are common, a 36- to 48-month loan can offer substantial savings over time.
10Can you offer a better interest rate than my pre-approved rate?
Possibly! Bringing your pre-approval details to us allows our dealership lenders and Ford Credit to find you a more attractive offer by potentially leveraging new Ford specials and other promotions.
11Can I reduce my monthly car payments down the road?
Yes, options such as refinancing or trading in your vehicle may help lower monthly payments.
12Can I sell my car while I'm still paying it off?
Yes, you can sell your car while you're still paying it off. However, the remaining loan balance must be settled, either independently or by rolling what you owe into your new loan if you're trading in.
13Can I add a warranty when I buy a car?
Absolutely. Extended service contracts are available with your purchase, and sometimes can even be added later, depending on the vehicle.
New & Used Car Financing in Winnemucca, NV
Have more questions or ready to start the financing process? Contact Humboldt Ford today and speak with our auto financing professionals. We're here to provide you with the answers and support you need to simplify your car financing experience!
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