Financing Your First Used Car in Leesburg, GA
A Step-by-Step Guide for First-Time Used Car Buyers
Get behind the wheel of your first pre-owned vehicle with the help of our experts in the Sale Department at Finnicum Motor Company!
Step 1: Determining Your Budget and Down Payment
Before you browse our pre-owned inventory, it’s wise to make sure that you have a clear idea of your purchasing power. First, take into account your monthly expenses, such as housing, utilities, and loan payments. As you embark on your Leesburg travels, you will also need to think about gas, insurance payments, and routine maintenance. Your down payment should be at least 20 percent of the vehicle’s total price. To find a monthly amount that fits your specific needs, use the Payment Calculator tool on our website to adjust the term length and interest rate.
Step 2: Getting Pre-Approved at Finnicum Motor Company
A smart way to get a head start on the purchasing process is by filling out a secure Finance Application. After clarifying whether you will be applying individually or jointly, you will enter your personal information, residential details, and proof of employment. Next, you will have the chance to add references, although this is optional. Once you verify your identity, your application will be sent to our team, allowing them to research your financing opportunities and contact you with a range of available loan offers. Completing this step in advance will make your trip to our dealership as quick and efficient as possible, so you can resume your exciting excursions to Albany without delay.
Step 3: Understanding Loan Terms, APR, and Monthly Payments
To finance your used vehicle with confidence, it’s a good idea to familiarize yourself with some of the terminology that you may encounter. The principal is total amount borrowed for the loan, which is the purchase price of the car you will be driving to Chehaw Park. To make this more affordable, you can use a down payment, which will be subtracted from the total. Your monthly payment will encompass part of this number, along with the interest. Remember that the amount that you pay each month will vary based on the term length and interest rate. Paying off the loan more quickly will enable you to minimize the amount of interest.
Tips for First-Time Buyers with Limited or No Credit
If you have never purchased a car before, you haven’t had the chance to build a strong credit history. No matter what your situation is, our team will be able to simplify the process by advocating for you with our network of lending partners. This will help you negotiate from a stronger position and access advantageous rates. Contact our experts at Finnicum Motor Company to learn more about the benefits of financing with the support of our dealership!
What Should You Bring to Apply for a Loan?
- Proof of insurance
- Proof of residence
- Proof of income
- Photo ID
Our Local Lending Partners at Finnicum Motor Company:
- Alabama Credit Union
- Ally
- Artesian City Federal Credit Untion
- C&F Finance
- CapitalOne
- Credit Union of Georgia
- Exeter Finance
- Georgia's Own Credit Union
- Global Lending Services
- iTHINK Financial
- Regional Acceptance
- Santander Consumer USA
- Southeastern Credit Union
- Truist
- Upstart
- Wells Fargo
Dealership Information
Testimonials
“ Finnicum Motor Company is easily the best dealership I’ve ever visited. They are incredibly professional, the inventory is top-tier, and the staff is wonderful. Excellent communication from start to finish. I absolutely love my car. I’d give them a 1,000/10 rating! ”
“ I have been a part of the Finnicum Motor Company family for many years now. The customer service, knowledge of the product, willingness to meet my needs, & the friendliness of the staff of Chad, Tony, Mike, & Darrel, AND the nice ladies up front, have always been a trademark for me. Not only have I developed a business relationship with these gentlemen, but it has also turned into a personal friendship. Keep up the great work!! ”
“ We had such a great experience at Finnicum in Leesburg! From the very friendly MaryAlice, to our awesome salesman Chad, we felt very welcomed! After telling Chad what we were looking for, he found us something even better! We will definitely recommend this place to our family and friends! Great job!!! ”
“ I have bought over 10 cars with the team at Finnicum and every single time it's as if its the first with the amazing service! It's like walking into home and seeing all the smiling faces welcoming you. This was my first experience with Bishop and I could NOT have asked for a better partner. Bishop is communicative, fast and detailed! He has such a great personality - he definitely is a perfect fit for the job. He welcomes you in and makes you feel like you are his only priority, all the while, he is doing multiple things in the background! I love he is a proud father, husband, son and most importantly my brother in Christ! It was great meeting the service department team and getting the Finnicum hug from Ms Angela! She is full of energy and you can tell she loves what she does. So Bishop, Tamara, Braden, Sarah, Roy, Ms Angela and Tony - kudos to you all - great seeing all those I have worked with over the years along with meeting some new faces. I guarantee you will not find a better car buying experience anywhere else here in South GA! ”
“ We drove from Birmingham for a car we had our eye on and Chad made it easy! We had all the details ironed out by the day we showed up and were able to be quick and efficient. We had a great experience at FMC! ”
“ Bishop was great to work with. Would definitely buy from him again! ”
“ Great experience. Very happy with my purchase. ”
“ Tony is wonderful! He treated me like one of his kids in the best way. He didn’t try to upsell or be the typical sales person at a dealership. He genuinely cares. He worked a good deal for me and made sure I was taken care of. I wanted lower payments and he made it happen. Go see Tony! ”
“ The Finnicum service department did a great job on my car. I went in for an oil change and tire rotation. The wait was not long at all. Technician Khol and adviser sunny was very respectful and professional. It’s nice to have a place that specializes in different makes of vehicles and it’s great to have a place you can trust. The building was very nice and clean and I like the front screened in porch where you can watch the service technicians work on your car. This will be where I continue to have service done on my car. I 100% recommend Finnicum Motor Company’s service department. 5 stars. ”
“ Nick was great, he made the car buying process fast and easy!! ”
“ I recently purchased a vehicle, and the entire experience exceeded my expectations. From the moment I walked through the door, the staff was friendly, professional, and genuinely focused getting the vehicle I was interested in. I went the extra mile to secure loan approval prior to contacting them, however their financing rate was lower and the process proved straightforward, transparent, and significantly easier than anticipated. What stood out most was the exceptional customer service. Everyone I interacted with was courteous, attentive, and committed to making the car-buying experience smooth and enjoyable. The team went above and beyond to ensure I was completely satisfied with my purchase. I highly recommend this dealership to anyone looking for a stress-free and professional car-buying experience. Thank you for making such an important purchase a positive and memorable one! ”
“ Small town dealership with a big heart for service. Chad was very professional and completely explained all details of purchasing our trade in and car purchase. Staff was wonderful and treated you like a long lost friend. Pricing was fair and no hassle through the trading and purchasing. Even the manger Tony made it clear they were there to help fairly and honestly. It was definitely worth the 3 hour drive to do business with Finnicum Motor Co. ”
“ Finnicum motors is an awesome company. They will do any and everything to make their customers happy, How I know is because THEY SURE PUT A BIGGG SMILE ON MY FACE. Thanks MARY, BISHOP, TONY AND EVERY THERE❤️❤️❤️❤️❤️ ”
“ I purchased my 25’ Mercedes GLE from Finnicum Motors in April. I was extremely satisfied with the top notch expertise and customer service that Chad Kirkpatrick exemplified. If you are looking for your next new vehicle, please stop by and see Chad- they really live up to their mission statement “where a handshake still means something “ ”
“ Outstanding experience with this family-owned dealership. Worked with Chad on the purchase of a Bronco and he couldn’t have been more helpful. Smooth process, great communication as I was traveling from out of state. Worked with me on price and gave me a better financing offer than I brought with me! Heather was a pleasure to work with via phone and helped me secure the car I’d been searching for. Overall a great experience. Finnicum lives up to its reputation!! ”
“ ⭐⭐⭐⭐⭐ We had an amazing experience with Finnicum Motor Company from start to finish. Bishop made the entire process easy, stress-free, and enjoyable. There was no pressure, no games, and no wasting time just honest, professional service and a genuine desire to help us find the right vehicle. Buying a vehicle can sometimes feel overwhelming, but Bishop kept everything simple and straightforward. He was knowledgeable, patient, and took the time to answer all of our questions. The entire team was friendly, welcoming, and made us feel like valued customers throughout the process. If you’re looking for a dealership that truly cares about its customers and makes the car-buying experience a positive one, we highly recommend Finnicum Motor Company. We couldn’t be happier with our experience! 🚗⭐️⭐️⭐️⭐️⭐️ ”
“ i was so surprised that it didn’t take long to get me approved. Chad did an awesome job, he told me exactly what to expect and was very helpful! So so impressed by this that if i ever need another car this is where i would recommend you all to go !! See Chad he’s the best !!!!! ”
“ Great experience! Wouldn’t recommend another dealership. Bishop is the best salesman. Go see him! ”
“ Always a pleasure to deal with Finnicum! Repeat customer and could not be happier with the customer service. Thank you Chad for helping me with the purchase of my new car!! Highly recommend if you’re looking for a reliable vehicle and honest people! ”
“ Customer service was really good and also Me.Chad who sold my husband his car was really nice. I would recommend anyone to buy a car from this company ”
“ Chad and the entire was amazing.Our experience was to quick and easy. Highly recommend. Everyone was personable and made us feel right at home. ”
“ Great customer service! Found the perfect car! This is the second car purchased from this company. We drove from Macon to purchase.Chad was a great salesman! ”
“ Ms Angela is awsome and Tiffany goes above and beyond great service great seating area ”
“ Nick is awesome! We came in with time constraints and let him know exactly what we were looking for, and Nick was on it! There were cars at the ready for us to look at when we got there, and the decision was made. Nick had us out in time for my niece's recital. Highly recommended. ”
“ Tony is absolutely the most patient and honest car salesman! Another great experience with FMC! ”
“ Professional staff. My experience with Tony and the staff was exceptional. ”
“ OMG Nick is an awesome salesman ”
“ Absolutely amazing customer service. They helped me tremendously! ”
“ Chad was absolutely amazing! Made the process of purchasing a car simple, not stressful and answered all our questions and concerns. The team at Finnicum makes you feel welcome and at home! ”
“ I just bought a car from finnicum, and the process was super easy. From communication, to test driving, to getting the keys in hand. The customer service was friendly and honest. I’ll definitely be back! ”
“ I’m Finnicum here every time I need a vehicle thank you guys! Awesome service. ”
“ The staff is great. Kyle is wonderful. We actually were in a few months ago but decided to wait. We called Kyle and he said I think I have what you are looking for. He worked with us, got us where we needed to be on price. We are now proud owners of a new Chevy Silverado. Finnicum will always be our first choice for vehicles. Thanks Kyle. ”
“ I would definitely go back a 1000 times again the sales men and front desk everyone there is welcoming. One thing I can promise their handshakes do mean something because they gone get you riding I enjoyed my experience and I would recommend getting a vehicle from here any day ”
“ I ve been dealing with finnicum motors for some years now. This is my third truck. Kyle looked out for me. When that truck came in he called me asap.I knew I wanted that truck . I just didnt know about the payments. Kyle and the general manager Tony really helped me out. Also the ladies up front when you walk in were super sweet. Everybody was great. Also.....my son got his Bronco from there about a month ago now. I will always recommend FINNICUM MOTORS. Thanks again. ”
“ Just an all around great experience and amazing service! Thanks to Nick for all the help! Would recommend to anyone interested in buying a vehicle!! ”
“ Chad was a great salesman. I would refer anybody to come to finnicum. ”
“ Had a great experience working with Chad Kirkpatrick. He was friendly, honest, and never made me feel pressured during the process. He answered all my questions, helped me find the right vehicle for my budget, and made everything smooth from start to finish. I really appreciated his patience and professionalism. I’d definitely recommend asking for him if you’re shopping for a car! ”
“ I loved my experience at Finnicum in Leesburg. ”
“ I purchased a vehicle from this dealership and it was truly the BEST experience. Kyle was super helpful and helped me find the best deal with absolutely no pressure. I will definitely recommend them and will be a customer for a very long time. ”
“ My husband and I were helped by Bishop at Finnicum and the process was so easy with him! He was kind and so helpful! We love our new vehicle we couldn’t have done it without him! ”