Get Pre-Approved Instantly

Welcome to the Huffines finance center at our dealership in Plano! We're here to support you through the auto purchasing and leasing process. Whether you've got an excellent credit score or need help building your credit up, we're here to assist you.

What Does Pre-Approval Mean?

One of the first steps in the auto purchasing process is to get pre-approved for financing. You can do this at Huffines by filling out some basic information about yourself through our online form.

A pre-approved loan means that a lender grants you approval to borrow an estimated amount of money at an estimated interest rate.

Can I Buy or Lease a Car With Bad Credit?

Yes you can. Here at Huffines CJDR Plano, we pride ourselves on working with our customers to secure the auto financing they require, even if you have bad credit. For instance, we can offer an auto loan to purchase one of our well-maintained used cars at a fair rate. The lower cost associated with purchasing a pre-owned vehicle can offer you the chance to make regular payments on your loan, which can help improve your credit score for the future. Our finance team can also offer tips on other ways you can improve your credit score.

How Can I Improve My Credit Score?

Even if you're a first-time buyer with no credit history or your payment history is poor, there are a number of things you can do to change that. First of all, remember that you're entitled to at least one free credit check from the three main rating agencies each year. This check means that you can find out your score before you look for a loan or lease deal. If anything was incorrectly recorded on your credit history, you can challenge it with the rating agency so it can be removed.

Another way to boost your score is to make regular payments on your credit cards for several months. If you don't yet have a credit card, some banks and other financial institutions offer cards designed to help consumers like you build a credit history for the first time.

We hope that our guide to our finance department has provided you with the information you're looking for. If we haven't been able to answer your questions yet, don't hesitate to reach out to our helpful team. Our finance experts are on hand six days a week for your convenience. We look forward to welcoming you as one of our new customers soon.