Sell, Trade & Finance
SELLING OR TRADING IN YOUR CAR CAN BE CONFUSING
Car transactions aren’t something we do every day. And circumstances can change from one to the next. Whether you want to sell your car, trade it in for another one, or have questions about financing, our financial gurus will guide you every step of the way.
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All Dick Hannah dealerships have affiliations with local credit unions, major banks and manufacturer supported finance companies. Let our relationships work for you! The volume of auto loans we provide to lenders allows us to negotiate better terms for your loan. We make it easy to receive a desirable loan at the credit union, bank or finance company of your choice.
Our financing process is simple. Select the vehicle that best meets your needs a sales consultant will help you submit a credit application. If approved you can then decide which finance offer is the best option.
Financial institutions typically take four major factors into account:
- Vehicle Information: Cost, year and mileage
- Applicant Information: Residence, employment and income information
- Credit History: Information found within your credit file
- Down Payment: Cash and trade equity values
Credit reporting agencies create credit scores to assist financial institutions who predict risk. Scores generally range from 350 – 850 and, in most cases, higher scores equate to better financing offers.
- Timeliness of previous and current payments
- The length of your credit history
- The type and amount of your debts
- Your public records
Three premier credit reporting agencies exist in the United States. Each is able to provide you with your credit score as well as an entire credit report.
Dick Hannah Dealerships accommodates the vast majority of credit profiles. Even people with past problems can still enjoy the same no-haggle pricing, quality, and exceptional customer service we give every Dick Hannah Dealerships customer.
Car buyers can still qualify for financing without a previous vehicle purchase.
Finance rates depend on past credit history, the type of car being purchased, the amount of the down payment and overall market conditions.
Your loan size, down payment, the length of the loan and the APR are the most important factors determining a monthly payment.
Bring a valid state-issued driver’s license and proof of your current auto insurance. Additional information may be required so contact a financing representative for a thorough list of what is necessary.
Once your car has been appraised, we’ll give you a written offer that’s good for three days. And you are under no obligation to buy one of Dick Hannah’s cars if you sell us yours.
We offer an online estimate to provide our customers with a general range of their car’s value. To get an exact Dick Hannah cash offer on your car, simply visit any Dick Hannah Dealerships location.
Our written offer is good for three days, and is valid whether you buy a car from us or not. Most other appraisals are based on you trading in your car for a new one.
Your car’s overall physical and mechanical condition will have an impact on your appraisal offer.
No appraisal appointment is necessary. Just visit any Dick Hannah dealership or call for details. Your appraisal takes as little as 30 minutes. If you would like to set up an appointment, contact an Appraiser, or consult a Sales Consultant.
In most cases, we may be able to accept a Power of Attorney, allowing someone else to sign on the absent titleholder’s behalf.
In most cases, you can sell your leased car. We’ll appraise the vehicle, then contact the leasing company for a payoff quote and process any equity you might have. Please note that some leasing companies will not allow you to sell the car prior to the expiration of the lease.
If your pay-off amount is more than the offer for your car, the difference is called “negative equity.” In some cases, the negative equity can be included in your financing when you buy a new car. If not, we’ll calculate the difference between your pay-off and our offer to you.
We will need to contact your lien holder during business hours to get a 10-day payoff. To pay off the lien, we will need your lien holder’s name and phone number, the name(s) on the account, and your lien holder’s account number and social security number. If a previously paid-off lien is listed on the title, you’ll need both the title and the lien release from the lien holder before we can purchase your car.
At Dick Hannah, family, integrity, respect, and purpose matter.
it may look like the car business, but to us it’s really the people business.