Auto Financing & Car Loans in Charlotte, NC

Open Today! Sales: 9am-7pm Call us at: 704-532-9200

Welcome to Hi-Line Autohaus

Welcome to our Hi-Line Autohaus finance center, the one-stop solution to your car financing needs in Charlotte, North Carolina. With an extensive and diverse lending network, our dealership can provide you with a wide array of financing options, from conventional car loans to bad credit loans. So, you can rest assured that you’ll end up with an auto loan that perfectly matches your budget and lifestyle. In addition, we’re also committed to taking the hassle and stress out of auto financing, ensuring that you’ll be able to enjoy your newly purchased vehicle as soon as possible.

What Are the Benefits of Financing With Hi-Line Autohaus?

Over the years, Hi-Line Autohaus has become the go-to place for used car shoppers in the Charlotte area who are looking for a great financing deal. From easy approval to competitive interest rates, we offer many benefits that make us stand out from other car loan providers. Let’s take a look at a few reasons why you should finance your next vehicle through Hi-Line Autohaus.

Easy Approval

If you decide to get auto financing from a bank or credit union, you have to be prepared to meet stringent borrowing requirements. Having an unfavorable credit score will most likely lead to rejection of your loan application. In contrast, it’s easy to get approved for a car loan at Hi-Line Autohaus. Besides banks and credit unions, our dealership also works with smaller lenders that have more lenient requirements. Even if you have bad or no credit, we can help you secure a loan to purchase your desired vehicle.

Flexible Financing

The finance center at Hi-Line Autohaus has strong relationships with many national, regional, and local lenders. As such, we’re able to offer a great variety of auto financing solutions to cater to the specific needs and preferences of different car buyers. Whether you’re looking for a standard car loan, long- or short-term loan, or refinance loan, you can count on us to find you a financing plan that’s right for you.

Simple and Hassle-Free Process

At Hi-Line Autohaus, we understand that obtaining auto financing can be an intimidating and stressful affair. Therefore, we strive to help you secure your ideal car loan in a smooth and hassle-free manner. Our friendly and knowledgeable finance experts will walk you through the entire loan application process so that you’ll know exactly what it entails. Also, you don’t have to worry about the paperwork, as we’ll take care of that for you.

What Factors Can Affect Your Auto Financing?

One of the main factors affecting your auto loan is your credit score. Your credit history is an indication of your ability to keep up with your monthly payments if you’re approved for a loan. A high credit score increases your loan approval chances and reduces your interest rate. Another thing that your lender will look at is your debt-to-income ratio, which measures your overall debt relative to your income. The higher your debt-to-income ratio, the less attractive your loan terms.

The monthly payments on your auto loan depend on the loan term you choose. Opting for a longer loan term results in lower monthly payments, but you’ll end up paying more interest overall. If you have enough savings, it’s recommended that you make a larger down payment on your next car. Doing so will reduce your loan amount and make you a less risky borrower, which leads to more favorable terms.

How To Prepare Yourself for a Car Loan Application

To avoid unnecessary hassle and unpleasant surprises, it’s essential that you do some homework before you start applying for an auto loan. If you have a vehicle to trade in, you can use our online trade-in valuation tool to get an estimate of its current market value. This can help you determine the amount of loan you need to finance your next vehicle. We also have a car payment calculator that gives you a rough idea of the monthly payment on your car loan so that you can properly plan your finances.

If you prefer to apply for car financing from the comfort of your own home, consider using our online loan application form. Once you’ve completed and submitted the form, we’ll get back to you shortly to let you know whether you’re pre-approved for a loan.

Another thing you need to do before coming to our dealership is to collect all the necessary documents for processing your car purchase. These documents include your driver’s license, proof of residence, proof of income, proof of auto insurance, and the title for your trade-in if applicable.

What To Expect When Getting an Auto Loan or Lease

Applying for an auto loan or lease is a breeze at Hi-Line Autohaus. After you’ve traded in your car and decided which of our used vehicles you want to buy or lease, one of our staff members will take you to our finance center. Then, our finance specialists will help you determine your financing needs, explore your options, and find the right auto loan or lease. If you’re happy with the financing plan we offer, we’ll proceed to process your loan application. Once your car loan or lease is approved, we’ll hand you the keys to your chosen vehicle.

Finance or Lease Your Dream Ride With Hi-Line Autohaus Today

Now that you have a better understanding of how auto financing and leasing work, it’s time to get started. Whether you choose to apply for an auto loan or lease online or in person at our Charlotte dealership, our devoted finance experts will work closely with you to ensure that everything goes smoothly. If you have any questions, don’t hesitate to contact us. We’ll be happy to assist you in any way we can.

Hi-Line Finance Center in Charlotte

Used vehicle leasing? Is that even possible? Yes, it absolutely is with the team at our Hi-Line finance center in Charlotte! You can lease a like-new luxury vehicle with our BMW leasing program to put one of these great vehicles in your Mooresville garage. The Hi-Line finance department offers used vehicle finance plans and used vehicle leasing to help you drive home with the car, truck, or SUV of your dreams! 

While you’re here, take advantage of our online tools ahead of driving around Matthews. If you have any questions after reading our guide about used vehicle financing, contact us or call 704-532-9200 to schedule a test drive near Huntersville!

Used Vehicle Leasing vs. Used Vehicle Financing

With our Chevy financing or Mercedes-Benz leasing programs, your first move is to find the vehicle you want. Then, it’s time to decide if you want to go with a purchase or lease. Our finance experts will show you the differences between used vehicle financing vs. used vehicle leasing as you move toward a new-to-you car, truck, or SUV.

Perks of Used Vehicle Financing

  • You own your vehicle and can customize it with accessories, parts, or paint. It’s yours to do with what you will!
  • There are no mileage limits. Drive it as much as you want! This is great if you plan on outdoor adventures, or weekend getaways to the mountains, lake, or beach destination.
  • You can sell the car later on if you decide to. Keep it in top condition for the best results with regular maintenance! Our service team is happy to help with this.
  • You get plenty of options for used vehicle financing. Check over our inventory to find a quality used vehicle to elevate commutes, weekly errands, and family fun.

Benefits of Used Vehicle Leasing in Charlotte

  • Easily upgrade your car every few years without having to sell the vehicle. This is great if you want a later-model vehicle that’s less expensive than a brand-new lease
  • Your down payment is low or nonexistent, depending on your credit-worthiness. You’ll also spend less over a few years compared to buying.
  • Monthly payments can be lower than with used vehicle financing, depending on the type of auto you choose.

Tap Into Online Tools at Hi-Line’s Finance Center

We want your car-buying experience to be hassle-free. We’ll work efficiently and diligently to help you determine what kind of used vehicle financing option works best for your situation. Even if you have less-than-stellar credit, your financial standing might be better than you think. Our dealership works with a variety of top lenders in our area.

Start the used vehicle finance process by using our handy online tools:

  • Apply for Financing: Start the process when you apply for financing at your convenience. We’ll be in touch with you after we receive the application for auto loan financing.
  • Value Your Trade-In: Have an older vehicle to trade in? Our handy tool allows you to value your trade. You can use the proceeds to lower your down payment and pay less for your purchase.
  • Payment Calculator: Our payment calculator lets you estimate your monthly used car vehicle finance payment. Simply enter the vehicle’s price, interest rate, loan term, down payment, and trade-in value. Then, you’ll have a good idea of what your monthly payment could be. Your final results may differ from the calculator based on your credit.  

Learn More From the Hi-Line Finance Department

Now that you know more about used vehicle financing and used vehicle leasing, it’s time to take the next steps! Contact us or call 704-532-9200, and we’ll be happy to answer your questions. Rely on our Hi-Line finance department to help you find your next vehicle. We would love to put you behind the wheel with your next vehicle, and we’re happy to help in any way we can! See how much more you could save by looking over our used vehicle specials.

Hi-Line Autohaus is located at: 6411 E Independence Blvd • Charlotte, NC 28212
Hi-Line Autohaus 35.17373327199936, -80.74634147159658.