Our local Kia dealer is proud to serve first-time car buyers. Many drivers encounter this problem: You can't get a loan without a credit history, and you can't get a credit history if no one gives you credit. If you want to finance or lease a new Kia for the first time, we invite you to shop our Cookeville car dealership. We help car buyers with little or no credit history.
If you have been turned down for credit near Monterey and Sparta, enjoy a different experience. Have you been told you can't be approved for a car lease because you don't have a credit history? Maybe your credit history is unestablished, or you have always paid cash for cars. Now, you want to buy something new and exciting, but you're being told you can't. Come to Cumberland Kia to hear a different answer. We're here to take you through the process from start to finish.
Here at Cumberland Kia, we understand that first-time car-buyers can be intimidated by the car financing and leasing application. Even if you have an established history of employment and place of residence, lenders won't help you. You may also see drivers with less-than-perfect credit scores receive special financing while you're being turned down.
We understand your frustration. The finance and leasing experts at our Cookeville Kia dealership will clearly explain the credit process to you and highlight the loan programs we offer that are tailored to first-time buyers. Maybe you graduated college and are about to begin your professional career, or perhaps you have paid cash all your life, we are here to help you establish an automotive credit history.
We don't limit your application to one bank. We work with a network of financial institutions to give your application a boost. We can also draft loan strategies that range from zero down payments to low-interest rates to lease options with lower monthly payments and longer terms. We want to work with you and find an option you feel good about.
We have connections with banks at the state, local, and national level who want to earn your business. We also contact credit unions known for considering your entire credit profile. You aren't just a credit score. There are many factors to consider.
It is common for first-time lessees to think a large downpayment or co-signer is necessary. While these options are indeed viable, they are not always required. We want to help you find a car that you can afford without needing a co-signer or putting down a large sum.
Here at Cumberland Kia, our philosophy is that everybody deserves the opportunity to drive the new Kia Niro they have their heart set on. Getting approved for financing doesn't have to be complicated. We want you to find the perfect vehicle regardless of your current credit status.
Our friendly finance associates work with first-time car buyers to alleviate stress. We’ll explain the process, help you find you a Kia you'll love, and get you fair loan terms.