What Does Guaranteed Car Financing Mean?

Woman examines car

Guaranteed auto financing is a term used by some dealerships to describe loan options that don’t require a credit check! If you’ve been searching for “guaranteed car financing near me,” you’ll want to look for a Phoenix dealership that manages everything in-house. In-house financing allows a dealership to work with drivers who’ve had trouble securing a loan in the past, whether due to bad credit or no credit.

Does In-House Financing Help Build Credit?

Guaranteed car finance dealers can help Gilbert and Phoenix drivers gain access to a wider array of cars, trucks, and SUVs. However, if you’d like to build credit while you drive, you’ll want to ask plenty of questions before moving forward. While most dealers report on-time and late payments to the major credit bureaus, it never hurts to double-check. A dealer who provides guaranteed car finance isn’t necessarily beholden to the same reporting standards that other dealerships have to abide by.  Remember, if you’ve built your credit since you first took out your auto loan, you may have the opportunity to refinance!

How Do You Qualify for Guaranteed Financing?

Despite the name, no form of financing is really “guaranteed.” Since these loans don’t require a credit check, they carry a bigger risk for the lender. This means that they normally carry a higher interest rate and higher monthly payments.  What’s more, you’ll need to show each of the following before you can finalize the loan:

  • Proof of Income – You’ll want to show a monthly intake of at least $1,500 to $2,000
  • A Down Payment – Usually, a down payment of at least 10% is required
  • References – Reputable references help the dealership to determine if you’re a smart investment.

Consider Jaguar Chandler!

We understand why some drivers search high-and-low for “guaranteed car financing near me.” However, since these loans aren’t subject to strong controls or consumer protections, you may want to consider alternatives.  The Jaguar Chandler financing department is a great place to start! Our team works with drivers from all credit backgrounds, and we can teach you how to buy a car the right way! Unlike some guaranteed car finance dealers, we always have your best interests at heart. Talk to one of us to learn more about your options!

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7470 West Orchid Lane, Chandler, AZ, 85226

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7470 West Orchid Lane • Chandler, AZ 85226

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Jaguar Chandler

7470 West Orchid Lane Chandler, AZ

Phone: 855-424-2340



Phone: 855-431-9951

7470 West Orchid Lane Chandler, AZ


Phone: 855-424-2340

7470 West Orchid Lane Chandler, AZ


Phone: 855-424-2346

7470 West Orchid Lane Chandler, AZ
33.3235347 -111.9711539
Jaguar Chandler 33.3235347, -111.9711539.