If you're searching for your next new or used car for your Cedar Creek commute, you'll have three options when it comes time to seal the deal: buying, leasing, or financing. You may be asking yourself, "What does it mean to finance a car?" or "How does car financing work?" Allow Sames Bastrop Ford to walk you through the process! We believe the car-buying process should be fun and stress-free so you can focus on finding your ideal vehicle.

How Does Financing a Car Work?

The first step to take is applying for a loan. You can do this through the dealership, a bank, or with a credit union. Interested in applying with Sames Bastrop Ford? You can get started right now by applying online, or you can hold off until you stop by our dealership near Smithville. This is what all lenders will look at when you apply:

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

If you're worried about a low credit score or weak credit history, try to think if you have a family member or friend who would do you the favor of cosigning on your loan.

Choose Your Lender

If approved for a loan, you'll likely be presented with a few options. Does the dealership offer in-house financing? If so, it would be smart to compare that offer to a bank or credit union's offer so you can be sure to choose what's best for your budget. You should also consider how much money you can afford to put down and estimate your monthly payments ahead of time, so you properly determine your ability to pay back the loan.

Finalize the Loan Terms

You'll be excited to finalize your loan and get your new car, but keep in mind you might want to negotiate price. If you do, you'll go back and forth with your salesperson until you're able to come to a loan that has an interest rate you know you can manage. At this point, you can get excited! It's time to finalize the loan and close the deal. All you have to do is sign off on your paperwork, pick up your new car, and get ready to turn heads on LaGrange roads.

Learn More About Car Financing in Bastrop

If you still have questions on the financing process, how to refinance a car loan, or what liability insurance covers, feel free to contact us. Our professional sales team will be happy to help. You can also stop by our dealership near Austin to speak directly with a knowledgeable member from our finance center.


  • Monday 9am-7pm
  • Tuesday 9am-7pm
  • Wednesday 9am-7pm
  • Thursday 9am-7pm
  • Friday 9am-7pm
  • Saturday 9am-5pm
  • Sunday Closed


Sames Bastrop Ford

1115 Highway 71 West
Directions Bastrop, TX 78602

  • Sales: 512-303-3000
  • Service: (512) 985-6881
  • Parts: (512)985-6882