What is APR?
APR or Annual Percentage Rate is the interest rate that the bank, lending institution, or finance company will charge you yearly to borrow money. Your APR depends on what state you live in, which vehicle you are purchasing, for how long you want to borrow the money, and by your credit worthiness.

Explain Down Payment.
The Down Payment is the amount of money you may “put down” as an initial investment towards your vehicle purchase. It is what you give the lender to show your commitment to making your payments and in the future paying off the loan in full. The more money you have for your down payment the faster you will pay off your loan.

What does Loan Term mean?
The Loan Term is the length of months you will be paying on your loan until it is paid in full. Remember, the longer the term the lower your payment will be, but you will be paying more interest on that loan than a shorter term loan.

What if I have no credit or even bad credit?
Almost 80% of all adults have more than one bad report in their credit history. Many times banks will not loan money to people with no credit or bad credit. But CNAC, our finance company, has been loaning money to people with credit problems for over 18 years. We put aside past problems and credit scores then we focus on your current circumstances in order to have your application accepted.

Can I get a loan and drive on the same day?      • APPLY NOW •
J.D. Byrider dealers have thousands of pre-owned vehicles to choose from. Once our experts get you the financing you deserve, you will be able to drive the vehicle home on your very first visit.

I need a second car with a low monthly payment?
J.D. Byrider dealers have clean dependable cars with finance programs that can keep your monthly payments low!

Is the information I submit online kept private?
Completely! Our web site has a secure certificate from Thawte, so when you hit the submit button the information that is being sent to us is scrambled until it arrives safely in our computer. Never be embarrassed about your credit. Many people who thought they couldn’t get a loan have qualified with CNAC, J.D. Byrider’s finance partner. Click here to read our legal notice.

What are the interest rates for my car loan?        
The interest rate on your loan will depend on many things such as whether the car you want is newer or older, the amount of your down payment, your credit history, and the term or length of your loan. Our finance specialists will clearly explain all the details to you.

Once I submit my online application, how long must I wait?
Most customers are contacted within 24 hours.

Is there a charge for submitting my application?
J.D. Byrider provides this service to you FREE of charge.

How Much Can I Borrow?                                      • APPLY NOW •
Each applicant is individually reviewed. After you submit your application, a loan processor will contact you to discuss your approval and set an appointment for you to come in and select your vehicle. J.D. Byrider only offers reliable, ASE Certified and inspected cars, vans, trucks, and SUV’s. And each vehicle comes with a warranty…no “as is” cars on our lots!