How Does Financing a Car Work?


As a Hendersonville driver, you might find the process of financing a new or used car is extremely stressful. Here at Apple Tree Acura, we know the finance process doesn’t need to be stressful! So, how does financing a car work? If you’ve come to the conclusion that you rather purchase then lease, you might be wondering, “What does it mean to finance a car?” Learn more with our finance department about car financing and our Acura finance rates.

What Does it Mean to Finance a Car?

Our Asheville customers often ask us, “how does financing a car work?” or “What does it mean to finance a car?” Especially those who are college grads! The first step to answering “What does it mean to finance a car?” Is realizing it means applying for a loan. Apply for a loan through your dealership, credit union, personal bank, and some might apply to all options to see who offers the greater deal. Before checking out your Acura finance deals, here are the personal details lenders look at:

  • Age of the Vehicle
  • Loan Amount
  • Credit Score
  • Debt-to-Income Ratio
  • Length of Loan

If you’ve browsed our Acura finance deals and Acura finance rates and are still unsure, read through our car buying tips for peace of mind.

Find the Finance Plan for Your Car!

Again, how does financing a car work? It works by calculating your monthly payments by doing the math! Below are a few things to remember before finding a financing plan for your car:

  • Poor credit? It’s helpful to put down a large down payment to prevent a high-interest rate. Before you purchase a new car online, decide how much you can afford to put down then value your trade-in to lower total costs.
  • For proper calculations, factor in insurance, maintenance, and gas costs.
  • If you plan on applying for finance through several locations, do so in a short time period. If it takes too long, this will impact your credit report negatively.

Apply for Financing Online at Apple Tree Acura!

Before you visit the dealership, check out Acura finance deals, Acura finance rates, and apply for financing. You can negotiate a price from the MSRP before you finalize your financing. When you’re ready to purchase your vehicle online, get financed online! Apple Tree Acura, a few miles from Johnson City, is here to help you every step of the way! Contact us today to get started.

More from Apple Tree Acura

  • What’s the 2021 Acura RDX Towing Capacity?

    Even the luxury crossover market is crowded with vehicles these days, but the 2021 Acura RDX truly stands out from the pack. Acura has complemented the sleek interior that any Asheville driver would expect on the RDX with a solid Acura RDX towing capacity of 1,500 pounds. That means you can take a small camper or…

  • Explore the 2021 Acura ILX Interior

    The 2021 Acura ILX reaches that sweet spot that many Asheville drivers are looking for: a sporty sedan that fits in lots of spaces but still feels comfortable for everyone inside. To compliment its sophisticated design, the ILX also has a good amount of standard features for the money. Apple Tree Acura has information on the 2021…

  • 2021 Acura RDX Interior

      Are you looking for an SUV that doesn’t compromise on luxury? The new Acura RDX interior shines with head-turning style, cutting-edge technology, and spacious dimensions. In this guide, Apple Tree Acura walks you through the highlights of the 2021 Acura RDX interior, so you can see why so many Asheville drivers have gotten behind the wheel!…

Saved Vehicles


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us


Call Now

193 Underwood Rd • Fletcher, NC 28732

Get Directions

Today's Hours:

Open Today! Sales: 8:30am-6pm

Open Today! Service: 7:30am-5pm

Open Today! Parts: 8am-5pm

Apple Tree Acura 35.4418025, -82.534668.