Most dealerships have in-house finance departments. At McCarthy’s we take pride in helping you, through our vast nationwide network of finance providers, to find your best possible loan options. However before coming to purchase your vehicle you can do your own homework for the loan you’ll need. This should be set-up close to your planned purchase date. Research credit unions and banks to find your best deal. They will likely be provide you a ‘blank check’ that must be signed by you and the dealer. This check will have a maximum dollar value. The benefit of getting pre-approved, is that you will know the total loan amount and interest rate you qualify for going in. This does not prevent you from using the dealer to finance your vehicle, if they can source a better deal. It is wise to come in pre-approved so that you don’t succumb to agreeing to budget breaking financing in a hurry just because you want to take the car home that day.