Auto Financing Application for New & Used Vehicles in Troy, NY

After picking out  a new or pre-owned vehicle, you'll have the opportunity to meet with our auto finance department to go over payment options and complete your purchase. At Carbone Subaru, we look to make the car buying process as efficient as possible by providing customers with the tools to answer most of their financial questions during your initial research. By utilizing the free tools we have available online, you can determine your exact vehicle budget and get pre-approved for auto loans early into the process so you can leave with your new car quicker.

How Do I Figure Out How Much Financing to Apply For?

In order to determine how much of a loan you will need to purchase a car, you will need to know your budget. There are several factors that go into calculating your total buying power. If you have a current vehicle you are looking to trade in towards your purchase, Carbone Subaru makes it easy for you to see your options. By entering vital information online, including year, model, trim level and additional accessories and customizations, we can give you an instant cash offer to purchase the car. This offer is calculated based on the Kelley Blue Book value of the vehicle as well as current demand and overall quality. The car can either be traded in or sold for the sum determined by a final in-person appraisal by our pre-owned vehicle specialist. Still researching specific models? Check our inventory specials to view our frequently updated discounts and coupons available for new cars and pre-owned vehicles in stock at our dealership. 

Do I Need a Specific Credit Score to Get Approved for an Auto Loan?

You may be concerned that your credit history can have a negative impact on your ability to get the financing you need to purchase a new or pre-owned vehicle. At Carbone Subaru of Troy, we work with customers of all credit and financial backgrounds to make sure everyone is able to leave with the best vehicles for their needs. Our team works to make sure our customers get the best rates available for auto loans from local and national lending agencies.

Applying for Auto Financing in Troy

If you are getting close to picking out a new or pre-owned vehicle for your next car, apply for financing online at Carbone Subaru of Troy today! An online application can result in a pre-approval for a loan, which can expedite the final financial processing at the time of purchase. If you have any questions about applying for a loan, our finance department is available for calls six days a week, or you can visit our dealership!

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Privacy Statement

As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.

* Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title or non-infringement. All vehicles are subject to prior sale. Price does not include applicable tax, title, and license. Not responsible for typographical errors.