Auto Loan Financing in Johnson City

While browsing our website for your next new or pre-owned vehicle, you may be curious about which Chevy financing option to choose. Lucky for you, our finance experts are here to guide you through the auto loan financing process and help you get behind the wheel of the vehicle you’ve had your eye on. 

When you shop at Champion Chevrolet, you gain access to competitive Chevy financing rates and car leasing deals on our extensive inventory of new Chevrolet models. Even if you plan to drive home to Greenville in a used vehicle, our team can help with that too! To speed up your car shopping journey, feel free to use our secure online finance application and get pre-approved before visiting our dealership. Keep reading to learn more about car leasing and auto loan financing with the team at Champion Chevrolet.

How To Qualify For Auto Loan Financing

Before you get approved for Chevy financing, the lender will need the following information from you: 

  • Condition of the Vehicle
  • Credit Score
  • Age of the Vehicle
  • Employment History
  • Debt-to-Income Ratio
  • Credit History
  • Repayment Terms
  • Loan Amount Requested

If you opt for a pre-owned vehicle from our inventory, you can expect the used car finance process to work the same as financing a new model. But, if you haven't yet established your credit or you have poor credit, you may have to pay a higher interest rate than other Kingsport drivers who have better credit. That’s why it’s worth the effort to try and improve your credit score before you apply for Chevy financing or a lease. 

Things To Do Before Applying For Auto Loan Financing

The experts in our finance center are here to answer all your questions and pair you with the finance or car leasing option that works best for your budget. You can also use our helpful payment calculator to determine a monthly payment amount you can handle. Below you’ll find a few financing tips to help the finance process flow smoother and have you cruising Bristol highways in no time:

  • Use our trade-in valuation tool to estimate the value of your current vehicle.
  • Remember to factor in the amount for car insurance, fuel and maintenance, and unexpected repairs into your monthly budget.
  • Do your best to save money for a down payment. Your down payment amount can reduce your overall loan amount and equate to smaller monthly payments.
  • Be certain to make your auto payment on time, every time.

Car Leasing Vs. Financing

During your car-buying journey, you may be faced with the decision to lease or finance your new vehicle, but which route is better? Well, that answer comes down to what’s best for your unique situation. When you choose car leasing, you agree to drive a vehicle from a dealership for an agreed-upon amount of time and miles and pay for its usage rather than for the full purchase price of the vehicle. You will have a monthly payment based on the car’s projected depreciation value over the course of the lease term, and at the end of the term, you can transition to a different vehicle with a new lease term.

When you opt to finance a vehicle, you enter into a loan agreement with a bank or other financial institution. The full price of the vehicle is divided into monthly payments, and once you’ve satisfied all the payments, you own the car and can sell it or whatever you wish. 

Neither path is better than the other and honestly depends on personal preference. If you're someone who likes the flexibility of driving a different vehicle every two years or so then leasing is a great choice. But, if you prefer to make a long-term investment, auto loan financing is the way to go. 

Learn More About New & Used Car Finance at Champion Chevrolet

Our locally owned and operated Chevy dealership offers a no-hassle experience and strives to ensure a car shopping experience like no other in the Johnson City area. If you still have questions about Chevy financing and leasing, our finance team is here to walk you through the entire process, so don’t hesitate to contact us. We’re standing by to make sure you get the vehicle of your dreams with a comfortable monthly payment that fits your budget.

Phone Numbers:Sales Hours:
  • Mon - Sat8:30 AM - 7:00 PM
  • SunClosed
Service Hours:Special Hours
  • Memorial DayClosed
Regular Hours
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat - SunClosed
Parts Hours:Special Hours
  • Memorial DayClosed
Regular Hours
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat - SunClosed

What Does Your Credit Look Like?

Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

Best "I never miss a payment!"

The Champion Chevrolet loan process can help you find the best interest rate for your next vehicle purchase.

Try our Free credit application today!

Great New Vehicle APR!*

Competitive Used Vehicle Rates*

We have hundreds of new and used Chevrolet vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see speak with our Finance Department dealer for up to date rates.

OK "I've missed a payment or two."

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our Free credit application and our team of finance professionals will begin working for you. We have hundreds of Chevrolet vehicles currently available for immediate delivery.

Not So Good "I need to rebuild my credit..."

Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our Free credit application online.

Once the application is completed, the Champion Chevrolet finance team will put together a loan package that is tailored specifically for you.

Get Directions

Champion Chevrolet 36.3757, -82.3713.