Car Financing near Lexington & Louisville

couple with salesman Dan Cummins Auto Group in Paris KY

Get Your Auto Loan With Our Finance Center

Dan Cummins Auto Group is proud to offer an unbeatable finance center. Our experienced Finance team works with over 70 banks and credit unions that have specific programs designed for automotive financing. Each have their own unique attributes including the most competitive rates to save you money or the best term options to keep that dream car’s payment within your budget. Everything is handled in a transparent manner including evaluating your trade in, explaining different warranties available to you, and detailing the options you have available to pay for your new vehicle. We will always provide you with financing options that fit your lifestyle and budget. Most importantly, we will handle everything in a transparent manner that keeps you involved during the entire financing process.

Apply Now

We Make It Simple

There are many factors that contribute to the interest rate and loan term to accomplish the perfect payment that fits you and your needs. Step one is to get pre- qualified through our simple online finance application. Within a couple of minutes, a representative will call you to review the information on your application. Then, call to schedule an appointment to come in for a test drive, appraisal or trade if needed, and discuss inventory options.

Subprime Financing

woman in car Dan Cummins Auto Group in Paris KY

family in car Dan Cummins Auto Group in Paris KY

Benefits of Financing

There are many benefits of financing with Dan Cummins Auto Group. From special incentives for military personnel to college discounts, your finance representatives at Dan Cummins will work their hardest to save you money when you purchase from us. Every finance team member is extremely knowledgeable about protection plans and warranties. They are dedicated to keeping your new vehicle purchase in the best condition for the longest possible time, with the least amount of money spent on repairs. To learn more about our various warranties and protection plans, click below.

Warranties

Keep Your Vehicle New With Ceramic Coating The Liquid Diamond ceramic car coating is the best car paint protection solution for Central Kentucky car owners looking to preserve the brand new look of their vehicle with the lowest amount of maintenance possible. A ceramic paint coating creates a permanent or semi-permanent bond with a vehicle’s paint, meaning that it does not wash away or break down and does not require repeated application every few months and gives the vehicle a “diamond-like” finish. Click below to learn more about our Liquid Diamond Ceramic Coating. Liquid Diamond

car detailing Dan Cummins Auto Group in Paris KY

Frequently Asked Questions:

What if I have bad credit?

For those with bad credit, our auto loan experts are here to help you find viable solutions and the perfect car that fits your needs and budget.

How long will it take me to pay off my car?

The answer depends on how high or low your down payment and monthly payments are. The typical loan will range anywhere from 24 to 60 months.

Should I Buy or Lease?

Buying and leasing are very similar processes. A good lease program is a lot like a good rebate, which offers an overall better deal to the customer; typically with less interest and definitely with less obligation. When you buy a vehicle, you are at the mercy of the market to determine your equity if you trade the vehicle in before your finance term is up. Because lease terms are typically designed for 2 - 4 years, compared to buy terms at 5 - 7, at the end of a lease term you have a guaranteed value. This means you are guaranteed to at least have even equity -- oftentimes, even positive. This gives you the versatility of trading a vehicle in, without the possibility of negative equity (lease terms have mileage restrictions, customizable to fit your driving habits. Even equity is only guaranteed when you do not exceed those restrictions). If you do not want mileage restrictions, buying would be the best option for you.

Ready to Buy?

New Inventory

Used Inventory

Finance Application

Finance Resources for Kentucky Drivers

Dan Cummins Auto Group makes car financing simple and accessible for drivers throughout Lexington, Louisville, and Central Kentucky. Our finance center in Paris, KY is here to help you explore auto loan options, understand your credit pathway, and move forward with confidence.

Start your purchase by applying for financing online, then browse our wide selection of new and used vehicles to find the model that fits your needs. We proudly assist shoppers from Nicholasville, Georgetown, Winchester, and surrounding areas with a transparent, customer-focused financing process.

If you have questions about available protection plans or how to maximize your trade-in value, our finance specialists are ready to help. Reach out to our team anytime for guidance through each step of the ownership journey.

Dan Cummins Chevrolet Buick of Paris

Dan Cummins Ford Lincoln

Dan Cummins Chrysler Dodge Jeep RAM of Paris

Dan Cummins Chevrolet Buick of Georgetown

Dan Cummins Chrysler Dodge Jeep RAM of Georgetown

Dan Cummins Auto Group