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Finance


Welcome to Our Finance Page

To apply for credit and get a final decision please click below.                              

 

To get Pre-qualified and get a good estimate of payments please click below.

To learn more about credit options keep reading:

BEFORE ANYONE RUNS YOUR CREDIT with a hard pull , learn what your financing options are:

Why before? That is because each time a dealer or lender runs a credit application using your social security number your credit score can take a hit, because this considered a hard pull. How much will it affect it? Well it depends on how many times your credit has been ran and how often. But one thing is for sure, it can affect your score in a negative way preventing you from getting you into a good vehicle later on.  You should only provide your social once you are ready to go with a vehicle you actually like.

Because we have our customers concerns in mind, we do provide the option of a soft pull through our pre-qualification process. It might not be super exact, but it will give you an idea of what kind of down payment you will need, your interest rate , and monthly payment  based on approximate numbers.  This is the best that can be done with current technology , and with no harmful effects to you and the best thing is that its free.

At Balmir Motors USA Inc we understand all of the uncertainty surrounding the purchase of a car. If finding the right dealer and a vehicle you actually like was not sufficient work, you are also tasked with finding the right financing option. As an alameda auto dealer, we place a burden on ourselves to exceed your expectations, because we want to make your purchase as smooth, easy, and fast as possible.

In all honesty not every customer's life situation is the same, just like not every used vehicle is the same, and that is why we proud ourselves in providing customized finance solutions.

Once you find a vehicle you like on our website inventory page then you can see if any of these options apply to you. Call us so we can help you find out which choice is best :

1. Buy Here Pay Here : Is your credit lower than you would like due to unforseen or unfair circumstances? Then through this program we can facilitate a vehicle loan to you for a maximum of 18 months with a qualifying down payment. This option is limited to specific vehicles so call us to find out if the vehicle of your choosing qualifies for a buy here pay here plan. This plan is perfect if you do not want to be paying a loan for a long time and the approval process is fast and easy in-house. 

 

2. Finance Company : Finance companies are probably the most common financing method, and although most people will receive at least  1 or 2 reasonable offers from one of these companies, there is a myriad of companies to choose from. Depending on the company your deal can turn out to be much sweeter than you expect or much worse than you deserve. Our experience dealing with these companies can greatly smooth out this process, and we pride ourselves in the relationships that we have developed with them and their staff. Browse our inventory and give us a call to explore this option!

 

3. Bank Auto Financing : Perhaps a loan from your bank is the best and easiest choice, and that is why after a quick consultation with us we can let you know if maybe a local bank is your best bet for the loan amount, interest, payments, and down payment you deserve. Do not be fooled by dealers that do not bother with understanding your situation before they suggest buy-here-pay-here or a financing company. We have your best interests at heart, and would like to pair you up with the financing alternative that makes the most sense for your current situation. You would be surpised that sometimes banks are not the best financing alternative for the customers with amazing credit scores.

Of course, if you need further help, do not hesitate to contact us and we will do everything we can to get you approved.

 

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