Financing FAQ

at McKee Auto


Frequently Asked Questions about Car Loans at McKee Auto

When you want to climb into the driver's seat of your next vehicle, you don't want to have to jump through hoops financially. At McKee Auto, our job is to help you get the perfect pre-owned option even if your credit rating is less-than-favorable or non-existent! We build relationships with numerous lending institutions to help you get the right payment plan.

We want to make your car loan experience easy and convenient. Check out some frequently asked questions below on our financing process, and let us know if you need any further help! We can't wait to find you the right solution!

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Frequently Asked Questions

Q: If I'm self-employed, does that affect my ability to get a car loan?

While the process won't be as simple as one involving a customer with traditional employment, most self-employment cases shouldn't be a problem. We can help make the process smooth, ensuring you get the loan you want.

Q: I want to trade my current vehicle. How will that affect my loan?

Yes, having a trade-in has a positive effect on your loan! Regardless of whether you own your vehicle outright or still owe money, we can help! If you don't owe money on your car, your trade-in functions as a down payment. If you still have payments remaining, we can help!

Q: I've had a repossession in my past. Can I still get a car loan?

Repossessions may harm your FICO score, but a car loan is one of the quickest ways to improve that. However, we can help you explore your options even with a repossession on your record.

Q: What happens if I don't have money to put down?

In some cases, you don't need to put money down to secure a car loan. We typically recommend you put some money down to lower your interest rate, as some banks may require it.

Q: How much will my monthly payment be?

Many different factors can affect your monthly payments, including the purchase amount, interest rate, term length, and down payment. Most vehicles will have a different payment amount.

Q: I'm a first time buyer. How does that affect me?

Many banks that we work with have first-time buyer programs in place and require a minimum of 90-days employment history and a small amount of cash down. We can help you learn more about what will be required of you!

How Can We Help?

  1. McKee Auto

    5095 NE 14th St
    Des Moines, IA 50313

    • Sales: (515) 497-4888
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Get in Touch

  • Contact our Sales Department at: (515) 497-4888
  • Monday9:00AM-7:00PM
  • Tuesday9:00AM-7:00PM
  • Wednesday9:00AM-7:00PM
  • Thursday9:00AM-7:00PM
  • Friday9:00AM-6:00PM
  • Saturday9:00AM-5:00PM
  • SundayClosed