At Durrett Motor Company, the financing process is designed to be simple and transparent. Because we operate as a Buy Here Pay Here dealership, we are able to offer flexible in-house financing options based on your current situation-not just a credit score. When you apply, our team reviews your income, stability, and down payment to determine your pre-approval options and payment structure. We walk you through everything clearly so you feel confident before moving forward.

Your finance terms are based on several factors, including your income, employment history, down payment amount, the vehicle you select, and your overall financial profile. While credit may be considered, it is never the only factor-we focus on your present ability to maintain payments comfortably. Our goal is to match you with a structure that fits your budget while keeping the process straightforward and stress-free.

Yes. If you prefer to arrange financing through a bank or credit union on your own, you are welcome to do so. We also offer in-house Buy Here Pay Here options for customers who want a faster, more flexible alternative. If you choose external financing, we will work with your lender to ensure everything is completed correctly and efficiently.

Equity is the difference between what your vehicle is worth today and the amount you still owe on its loan. If your vehicle is worth more than the payoff amount, you have positive equity. If it is worth less, you have negative equity. Our team will evaluate your trade-in and explain your equity position clearly so you understand how it affects your next purchase or pre-approval.

Positive equity can reduce the amount you need to finance, functioning similarly to a down payment. If you have negative equity, it may be added into your new loan amount depending on what works best for your situation. Our team reviews every option with you so you understand how your trade-in impacts your total financing and monthly payments.

In most cases, yes-making additional payments can help reduce your total interest and shorten the length of your contract. When making extra payments, it's important to designate that the funds should be applied toward your principal balance. If you have questions about how extra payments work with your specific account, our team is happy to assist.

Yes. Durrett Motor Company specializes in helping customers with limited credit, challenged credit, or past financial setbacks. Because we offer Buy Here Pay Here options, we focus on your current ability to make consistent payments-not your past. Our team will review your situation and guide you through your pre-approval options with honesty and respect.