Auto Loan Financing in Johnson City

When you shop at Champion Cadillac, you gain access to competitive Cadillac financing rates and car leasing deals on our extensive inventory of new Cadillac models. Even if you plan to drive home to Asheville in a used vehicle, our team will walk you through the used car finance process. Our finance experts are here to guide you through the auto loan financing process and help you get behind the wheel of your next vehicle. You can contact our finance team today with any questions, but if you're ready to get started now, we invite you to use our secure online finance application. We are your go-to resource for car leasing and auto loan financing in the greater Johnson City area so don’t hesitate to reach out!

How To Qualify For Auto Loan Financing

To get approved for Cadillac financing, the lender will need the following information from you: 

  • Condition of the Vehicle
  • Credit Score
  • Age of the Vehicle
  • Employment History
  • Debt-to-Income Ratio
  • Credit History
  • Repayment Terms
  • Loan Amount Requested

Used car finance works the same as financing a new model, but if you haven't yet established your credit or you have poor credit, you may have to pay a higher interest rate than other Kingsport drivers who have better credit. That’s why it’s worth the effort to try and improve your credit score before you apply for Cadillac financing or a lease. 

Things To Do Before Applying For Auto Loan Financing

The experts in our finance center are here to answer all your questions and pair you with the finance or car leasing option that works best for your budget. You can also use our helpful payment calculator to determine a monthly payment amount you can handle. Below you’ll find a few financing tips to help the finance process flow smoother and have you cruising Bristol highways in no time:

  • Use our trade-in valuation tool to estimate the value of your current vehicle.
  • Remember to factor in the amount for car insurance, fuel and maintenance, and unexpected repairs into your monthly budget.
  • Do your best to save money for a down payment. Your down payment amount can reduce your overall loan amount and equate to smaller monthly payments.
  • Be certain to make your auto payment on time, every time.

Car Leasing Vs. Financing

During your car-buying journey, you may be faced with the decision to lease or finance your new vehicle, but which route is better? Well, that answer comes down to what’s best for your unique situation. When you choose car leasing, you agree to drive a vehicle from a dealership for an agreed-upon amount of time and miles and pay for its usage rather than for the full purchase price of the vehicle. You will have a monthly payment based on the car’s projected depreciation value over the course of the lease term, and at the end of the term, you can transition to a different vehicle with a new lease term.

When you opt to finance a vehicle, you enter into a loan agreement with a bank or other financial institution. The full price of the vehicle is divided into monthly payments, and once you’ve satisfied all the payments, you own the car and can sell it or whatever you wish. 

Neither path is better than the other and honestly depends on personal preference. If you're someone who likes the flexibility of driving a different vehicle every two years or so then leasing is a great choice. But, if you prefer to make a long-term investment, auto loan financing is the way to go. 

Learn More About New & Used Car Finance at Champion Cadillac

Still have questions about Cadillac financing and leasing? Our finance team is here to walk you through the entire process, so don’t hesitate to contact us. We’ve devoted ourselves to helping and serving our customers to the best of our ability, and we believe the vehicles we offer are the highest quality and ideal for your life needs. So, whether you choose a new or used car, financing is no problem at Champion Cadillac, we will work hard to get you in the vehicle of your dreams at a price you can afford with a loan or lease tailored to your monthly budget.

Phone Numbers:Sales Hours:
  • Mon - Sat8:30 AM - 7:00 PM
  • SunClosed
Service Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat - SunClosed
Parts Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat - SunClosed


Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

BEST "I never miss a payment!"

The Champion Cadillac loan process can help you find the best interest rate for your next vehicle purchase.

Try our complimentary credit application today!

Great New Vehicle APR!*

Competitive Used Vehicle Rates*

We have hundreds of new and used Cadillac vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

OK "I've missed a payment or two."

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our complimentary credit application and our team of finance professionals will begin working for you. We have hundreds of Cadillac vehicles currently available for immediate delivery.

NOT SO GOOD "I need to rebuild my credit..."

Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our complimentary credit application online.

Once the application is completed, the Champion Cadillac finance team will put together a loan package that is tailored specifically for you.

Get Directions

Champion Cadillac 36.3757, -82.3713.