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How Does Car Financing Work?

Looking for your new car can be a fun, but stressful experience. After you’ve chosen which car you’d like to purchase, finding the right financing option can be equally frustrating. At Cecil Atkission Motors Uvalde, we’re here to help you find the best vehicle and financing plan. Read our guide on the process of financing a car, then set up an appointment with our finance center.

How do You Finance a Car?

When you finance a car what you’re really doing is applying for a loan from lenders like a bank or a dealership. Most people who finance a car in Del Rio go through a dealership because of the additional benefits that come with financing through them. When you apply for financing you’re eligibility and interest rate will depend on the following:

  • Credit Score
  • Debt-to-Income Ratio
  • Age of the Vehicle
  • Loan Amount
  • Repayment Term / Length of Loan

If you have a poor credit score, your interest rate may be higher than someone with a good credit score. See if you can raise your credit score or ask a friend or family member with good credit to co-sign and help keep your interest rate low.

Which Financing Plan is Right For You?

Before you apply for financing, you should calculate how much you can set aside for a car payment each month. Consider these things when making your plan:

  • If you have a poor credit score, making a bigger down payment can help to mitigate the cost of a high-interest rate. Calculate how much money you can put down before you apply for a loan, value your trade-in, and take advantage of our new vehicle specials to minimize the total cost of your purchase.
  • Remember to include the cost of gas, insurance, and maintenance when making your plan. Drivers who make the largest possible payments can enjoy significant savings but if your monthly payment is too high, unexpected maintenance costs can disrupt your finances. 
  • If you decide to apply for financing at multiple locations, make sure to submit all of your applications within 14 days. Taking longer could negatively impact your credit score.

Apply For Financing!

Now that you’ve made all your calculations and decided on how much money you can put aside each month for payments, it’s time to review your options before heading to the dealership in Eagle Pass. Remember that you may be able to negotiate a price with the dealership before making a down payment, and there is also the option to select additional add-ons or packages, including protections like Gap Insurance. When you’re ready, it’s time to apply for financing!

Finance Your Car With Cecil Atkission Motors Uvalde!

When you’re ready to pick out your new car to drive around Crystal City, visit Cecil Atkission Motors Uvalde! Our friendly staff will help you find and test drive your new car and explain the ins and outs of financing for your comfort and peace of mind. You can even learn more about how GAP insurance can protect you behind the wheel. Contact us today to learn more about our car buying tips.

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2630 East Main Street • Uvalde, TX 78801

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Today's Hours:

Open Today! Sales: 8am-6pm

Open Today! Service: 7:30am-5:30pm

Open Today! Parts: 7:30am-5:30pm

Cecil Atkission Motors Uvalde

2630 East Main Street Uvalde, TX

Phone: 830-355-2427


Phone: 830-275-4748

2630 East Main Street Uvalde, TX

Mobile Parts

Phone: 830-355-2292

2630 East Main Street Uvalde, TX


Phone: 830-355-2427

2630 East Main Street Uvalde, TX

Mobile Sales

Phone: 830-266-5326

2630 East Main Street Uvalde, TX


Phone: 830-355-2288

2630 East Main Street Uvalde, TX

Mobile Service

Phone: 830-265-5648

2630 East Main Street Uvalde, TX
29.227876 -99.7591542
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Cecil Atkission Motors Uvalde
Cecil Atkission Motors Uvalde
2630 East Main Street
Uvalde, TX, 78801 United States
Cecil Atkission Motors Uvalde 29.227876, -99.7591542.