Cars614 Auto Group finance team helping a customer with vehicle financing in Columbus, Ohio

Finance your next vehicle with Cars614 Auto Group

When you are shopping for a new or pre-owned vehicle, you also need to think about your financing options. Your loan amount and repayment terms depend on factors like your credit score and history. While a higher credit score can secure a lower interest rate, you can still get approved with imperfect credit. Our finance teams are here to walk you through the entire process.

At Cars614, we work with dozens of lenders to provide financing options for every credit situation across our four Columbus and Dublin locations. Whether you need a loan for a new Buick or GMC, financing on a quality pre-owned vehicle, or the best rates and terms available, our teams will help you drive away with confidence.

Select one of our convenient locations below to apply for financing:

Explore our partner dealership locations across Columbus, Dublin, and the central Ohio area.

Auto Palace

4621 West Broad Street

Columbus, OH 43228

(614) 851-6000

Apply for financing

Bobb Automotive

4639 West Broad Street

Columbus, OH 43228

(614) 853-3000

Apply for financing

Twins Auto of Dublin

5035 Post Road

Dublin, OH 43017

(614) 389-0999

Apply for financing

Twins Buick GMC

960 Morse Road

Columbus, OH 43229

(614) 515-4109

Apply for financing

Understanding your financing options

Before you visit one of our four Cars614 Auto Group locations to buy your next vehicle, let us walk you through your financing options so you can make the best decision for your budget and lifestyle.

Buying

Financing your car purchase means you want to own the vehicle outright. You make payments to the lender each month, and when the loan is paid off, the title is yours.

Benefits of buying:

  • No mileage limits or restrictions on how you use the vehicle.
  • Freedom to customize, add accessories, or modify your car.
  • Sell or trade in your vehicle at any time.
  • Keep the car for as long as you want.

Things to consider:

  • A larger down payment may be needed upfront.
  • You are responsible for all maintenance costs after the warranty period.
  • New vehicles depreciate most during the first few years of ownership.

Leasing

Leasing a vehicle means you make payments to use the car for a set period. When your lease ends, you return the vehicle. This allows you to drive a new model every few years with the latest features and technology.

Benefits of leasing:

  • Monthly payments are often lower than loan payments for the same vehicle.
  • Your leased vehicle is typically covered by the manufacturer warranty.
  • A smaller down payment is usually required.

Things to consider:

  • Mileage limits and wear-and-tear restrictions apply.
  • You cannot modify or customize the vehicle.
  • Early termination fees may apply if you return before the lease ends.
  • You do not build equity unless you choose to buy at lease end.

Leasing is available on new Buick and GMC models at our Twins Buick GMC location on Morse Road in Columbus.

How to apply for financing

Applying for vehicle financing with Cars614 Auto Group is simple. We have an easy online form to get you started. We will ask a few quick questions, review your information, and get back to you with options that fit your budget. Here is how to get started:

  1. Check your credit report and know your credit score.
  2. Set a monthly payment budget and stick with it.
  3. Browse our combined inventory across all four locations.
  4. Select a location above and submit your financing application.
  5. Our finance team will contact you with approval options.
  6. Finalize your paperwork and drive away.

Financing specials and deals

Our finance teams at Twins Buick GMC, Twins Auto of Dublin, Bobb Automotive, and Auto Palace have years of experience working with lenders who can help you secure the right loan for your next car, truck, or SUV. Because we maintain strong relationships with a wide network of lending partners, we can offer competitive financing specials that make buying from us even better. Our deals change frequently, so check with us often or contact any of our locations to learn what is currently available.

Financing for all credit types

Regardless of your credit score or financial history, Cars614 can help you get approved. Your credit score does factor into how a lender calculates your interest rate, so a higher score generally means a lower rate. But our finance teams specialize in working with every credit situation: challenged credit, first-time buyers, and those rebuilding after financial setbacks. We work with lenders who offer more flexibility than traditional banks and credit unions, giving us more room to find a payment plan that works for your budget.

Maximizing your trade-in value

Trading in your current vehicle when you buy from Cars614 Group can put money toward your next purchase. We will value your trade-in based on the vehicle's year, make, model, mileage, and condition. Our teams will inspect your car and present you with a fair offer.

Tips to maximize your trade-in value:

  1. Thoroughly wash and detail the vehicle inside and out.
  2. Remove all personal items and debris.
  3. Research the trade-in value before visiting the dealership.
  4. Take care of any minor mechanical or cosmetic issues.
  5. Bring your title, registration, and service records.

Get personalized financing assistance

Get the personalized financing assistance you deserve at Cars614 Auto Group. Contact our finance team at any of our four Columbus and Dublin locations, or visit us in person to discover how we can help you get behind the wheel of your next vehicle.

FAQs about financing at Cars614 Auto Group

These are some of the most common questions we receive about vehicle financing.

Yes. Our finance teams at all four Cars614 Group locations specialize in working with every credit situation. We partner with a wide network of lenders, including those who offer more flexibility than traditional banks, to help you get approved and on the road.

The initial credit inquiry may cause a small, temporary dip in your score. However, if you apply at multiple lenders within a short window (typically 14 to 45 days), the credit bureaus treat those inquiries as a single pull. Making your payments on time will help build your credit over time.

Your interest rate depends on several factors, including your credit score, loan term, down payment, and the vehicle you choose. Our finance representatives will walk you through your specific options and help you understand the terms of your loan.

The three major credit bureaus (Equifax, Experian, and TransUnion) each maintain detailed reports of your credit history. You are entitled to a free copy of your credit report annually from each bureau at AnnualCreditReport.com. Many banks and credit card companies also offer free credit score monitoring.

When you buy, you make payments until the loan is paid off, then you own the vehicle outright. When you lease, you make lower monthly payments to use the vehicle for a set term, then return it. Leasing is available on new Buick and GMC models at our Twins Buick GMC location. Buying options are available at all four locations.

Absolutely. All four of our locations accept trade-ins. We will appraise your vehicle based on its condition, mileage, and market value, and apply that amount toward your next purchase. You can also get a quick estimate using our online trade-in tool.

To speed up the process, bring a valid driver's license, proof of income (such as recent pay stubs), proof of residence (such as a utility bill), and your current vehicle's title if you plan to trade in. Our finance teams can guide you through any additional requirements.

The best approach is to pay all bills on time, reduce outstanding balances on credit cards, and avoid opening new accounts before applying for a car loan. If your credit needs work, visit any of our four locations to explore vehicles within your budget so you can find a payment that is comfortable to make on time each month and build positive credit history.