Checking Your Credit for a Las Cruces Area Kia

May 9, 2015

Your credit score is the most important thing when you are looking to buy or lease a new car. Your credit score can mean the difference between a high rate and money-saving incentives. Because credit is so important, the dealership wants to look at your credit questions. Talk to a Las Cruces area Kia finance advisor about your credit.

Obtaining a Credit Report

You are entitled to one free credit report from each bureau every year. The three credit bureaus are TransUnion, Equifax, and Experian. It is a good idea to obtain your free credit report before you arrive at the dealership. Knowing you credit score, and any hiccups on your report, may help you better understand the financing process and your needs. If you do not obtain your credit report online, the dealership offers an online tool to help you estimate your credit score and how much you may be eligible to finance. A finance decision is not made based on the results of this tool. You can fill out a quick online credit application through the dealership to know for sure.

What You Need to Know About Kia Motors Finance

Kia Motors Finance, just like any other finance institution, relies on your credit score to determine your credit worthiness. Kia does have high credit standards for financing and leasing, usually a 720 credit score.

What if Your Credit is not Pristine?

Not everyone’s credit is perfect, and the dealership understands that. Fortunately, the finance office has access to a multitude of lenders who may be willing to help you out. The dealership advisor will sit down with you to determine your needs, your budget, and any credit concerns.