Finance Center

Zero-down financing may be available based on your application details. In some cases, you can also delay your first payment window. To explore these options, call our team at 334-566-7350 or start your application online.

Credit challenges don’t have to stop your plans. Unlike one-number decisions, we review your full situation and work to match you with realistic options that fit your budget.

To keep the process quick and smooth—whether online or in person—have these items handy:

• Valid driver’s license and proof of insurance
• Recent pay stubs or proof of income
• Proof of residence (utility bill or similar)
• Trade-in details (if applicable)

If you're looking for vehicle financing in Troy, AL, Stivers of Troy provides straightforward, transparent, and stress-free auto financing. We offer competitive rates and affordable monthly payments for both new and used car buyers, regardless of your credit score. Use our fast online approvals to start your vehicle financing journey today, or talk to our finance experts if you need personal guidance. Here's a quick guide to how our financing process works.

We make auto loan approvals quick and easy. Our finance center allows you to apply for auto financing and get pre-approved in minutes. If you want to trade in your current vehicle to tackle Highway 231, you can use our user-friendly tool to value your trade online. 

Whether you want to buy a sedan or an SUV, our vehicle financing options make it easy to drive home in the car that best matches your budget and needs. We partner with a wide network of local lenders, allowing us to secure favorable terms that meet your financing needs. 

We understand that every driver's situation is different, so we tailor our financing solutions to your credit history and budget. Whether you want a low down payment or shorter loan terms, our finance team will help you create a vehicle buying plan that fits your budget and lifestyle.

If you're shopping for a used vehicle, we offer local drivers used car financing for a wide range of vehicles to make that trip to Troy Arboretum more enjoyable. Our flexible financing options make it easy to own a new-to-you model, whether you're interested in a certified pre-owned Ford or a different make. 

Whether you want a used sedan, SUV, or truck, our finance specialists can help you identify lenders who specialize in used car loans. This ensures that you'll get competitive rates and terms, making your purchase more affordable.

At Stivers of Troy, we make getting pre-approved for vehicle financing quick and easy. Thanks to our user-friendly online finance application, you don't need to complete any paperwork or wait in line at the dealership to get pre-approved for your auto financing. Here's what the process involves:

• Go to the pre-approval page on our website.
• Provide details about your income, employment, desired vehicle, credit score, and other required information, and submit the form.
• Receive an instant decision.

Getting pre-approved helps you determine the potential loan amount and interest rate you need to finance the specific car that you want to buy. This knowledge can help strengthen your negotiating position when you get to the dealership and save both parties' time when you're ready to sign the paperwork. 

Apply to get pre-approved online today. If you need some assistance, reach out, and one of our finance experts will guide you through the process. 

You can get auto financing with any credit score. A credit score of 661 or more allows you to get the most favorable vehicle loan terms. Lenders set credit score requirements based on factors such as the size of your down payment and the amount you want to borrow. 

At Stivers of Troy, we understand that not everyone has a stellar credit score. That's why we work with lenders who provide options for every credit profile. Whether you're a first-time buyer with limited history, rebuilding, or have excellent credit, we can help you find auto financing options that suit your situation. 

Our finance department is committed to helping Troy drivers secure affordable monthly payments. Whether you're financing a new Ford or getting a quality pre-owned vehicle, our finance specialists will work with you to find the most competitive loan terms. We customize our auto loan options to fit your income and credit profile, and you can choose a preferred payment schedule. That way, you get the loan terms most appropriate for your lifestyle and financial situation. 

At Stivers of Troy, we offer incentives, specials, seasonal promotions, and other limited-time deals you can use to reduce your overall cost. View our inventory to find a vehicle that fits your needs and budget, and learn how accessible our vehicle finance solutions can be.

Currently own a vehicle? Our trade-in program lets you use the value of your current vehicle to make your next purchase more affordable. We offer fair, market-based valuations and provide a simple value your trade tool that gives you an appraisal of your vehicle within seconds. If you still owe on your current vehicle, we can handle the loan payoffs on your behalf. Trading in your current vehicle is not only useful for lowering your total new vehicle costs and monthly payments, but it's also a simpler and easier way of selling your old car. 

Stivers of Troy makes it easy to own a new Ford or used vehicle with our simple and fast auto financing process. Contact us online or call us at 334-566-7350 to start your vehicle financing journey today.