Financing Basics To Help You On Your Vehicle Search

Finance 101

Learn the basics of financing your next vehicle to help you make your buying decision

Our Team Makes Financing Easy and Straightforward 

The financing process can often be the most stressful, especially for first time shoppers. However, our team works hard to make sure that all types of drivers have access to the tools needed to easily finance the vehicle you're interested in. With these tools, and our helpful team by your side, you can feel more comfortable throughout the entirety of the financing process.

You also have access to our wide array of online financing tools, allowing you to control certain aspects of the process from the comfort of your living room couch.

What Determines Credit Score?

Learn the basics of what determines your score.

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Flexible Financing

We're here to help you by going over every option clearly, and will find the right plan for you.

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Shop New Inventory

When you're ready to move forward, find the car that you've been dreaming of!

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Using Our Finance Application

Some drivers prefer to apply for financing on their own terms -- whether you're at home, at work, or on the go. With our secure online financing form, you can do just that! This simple form allows you to easily and quickly apply for financing without even having to be at our dealership. Some drivers prefer that independence, as it allows them to take control of their financing situation.

What To Keep In Mind When Applying for An Automotive Loan

While leasing has become a popular financing alternative, buying is still the default choice many drivers make. If you're a new driver especially, you should keep in mind what is required in order to get an automotive loan - and what factors affect the prices you may get.

  • Keep An Eye On Your Credit Score: Your credit score has an impact on what kind of financing rates you may be able to get. Those who have a higher credit score can usually get lower APR rates. Those with lower scores often have higher APR rates. As such, it's important to keep an eye on your credit score, so you have a better idea of where you will stand in terms of APR.

  • Try for Shorter Loan Terms: The length of your loan also affects your monthly price, often in a dramatic way. Choosing a longer loan term may seem advantageous because of that fact. However, you should choose as short of a term length as possible. That will save you money in the long term on interest, and you will be able to pay off your car faster.

  • Add More To Your Down Payment: Your down payment is one of the most significant tools you have to reduce your monthly prices. That is why we recommend putting as much money down as possible. The more you put down, the less you will have to finance. The less you finance, the lower your monthly price will be.

Ready for a Test Drive?

If you would like to learn more about our selection of vehicles, including our vehicles, or if you have any questions about the purchasing process, we invite you to visit us at Harvey's in Radford. Our team would be proud to help you schedule a test drive with your preferred automotive option.

Visit us at your next opportunity and we can answer any questions you may have. We can also assist you with all of your vehicle-related needs not associated with financing, like finding a new vehicle, servicing an existing model, or something in between.

We are proud to serve drivers across Christiansburg and Salem, too.

How Can We Help?

  1. HARVEY'S

    1500 TYLER AVE
    RADFORD, VA 24141

    • Sales: 888-920-6372
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Get in Touch

  • Contact our Sales Department at: 888-920-6372
  • Monday8:00 am - 7:00 pm
  • Tuesday8:00 am - 7:00 pm
  • Wednesday8:00 am - 7:00 pm
  • Thursday8:00 am - 7:00 pm
  • Friday8:00 am - 7:00 pm
  • Saturday8:00 am - 5:00 pm
  • SundayClosed