Apply for Financing



Apply for Auto Financing in Rochester NY

Whether you are purchasing a vehicle or have extensive repairs that need to be made to your current car, not every car bill is going to be affordable at once. At Ralph Honda, we offer financing for purchases and repairs using our convenient credit application for customers of all financial situations. Whether you have excellent credit or a lower credit score, customers can get pre-approved for auto financing from our dealership and service center in Rochester.

What Can Be Financed at Ralph Honda?

At our Honda dealership, we understand that costs may begin to add up quickly and become unaffordable at the time of purchase or service. This is why we allow the purchase of new, pre-owned, and certified pre-owned vehicles as well as major services and repairs to be financed so that customers can pay in more affordable monthly installments. Ralph Honda works with local banks and lending institutions to get our customers the best rates possible for their unique credit situations. We accept customers with poor to no credit as well as customers who have past bankruptcies in their history to make sure they can leave with their ideal vehicle, or with their current car intact. 


How Much Can I Get Financed?

The amount you may need to finance your purchase or repairs will vary based on a few different factors. If you are purchasing a new or pre-owned car, truck, or SUV from our dealership, the total financed will depend on if you are trading in a vehicle and its appraised worth. Trade-in value and down payment will be credited towards the sticker price of the car, leaving the remainder to be financed through our department or through an outside loan. Both will have added costs in the form of interest accrued throughout the lifetime of the loan, the rate of which will depend on your existing credit. To see how much an additional monthly would be and how it could affect your budget, Ralph Honda offers a car payment calculator to see how much you would finance and pay towards the total each month. If you are financing major repairs to your vehicle, the Ralph Honda technician assigned to your car will go over line items on your bill so you understand what parts and labor will be involved in the appointment. Similarly to purchase, the total amount will be eligible for an auto loan minus any down payment you chose to pay when the service is completed. 


How Do I Find Out My Car’s Trade-In Value?

If you have a vehicle you are looking to trade in for credit towards the purchase of another car, you will need to determine its worth for trade. Ralph Honda has a convenient trade appraisal tool that allows you to enter the year, make, model, and trim of your car in order to get an estimated value that you can bring to your appraisal at the dealership. A used car manager will go over your vehicle and give you an approximate valuation, which we can either pay you directly for the car or put towards your impending purchase to reduce the total amount you need to be financed. If you are looking for additional opinions, you can enter your license plate, VIN, or key details of your car into Kelley Blue Book for another estimate. 


Auto Loans & Financing at Ralph Honda

Customers in Rochester looking for high-quality vehicle service or shopping experiences can visit Ralph Honda. Our sales and service departments are open six days a week with extended evening hours for your convenience. To make an appointment for service or repairs, use our online tool to find a time that fits your schedule. Call or visit today!