Used Car Finance

Welcome to the Your Auto Source Finance Center in York, where we work with many banks to get you the best rates and seek 100% credit approval. We help people from all over find the perfect used car, truck, or SUV at the right price and with the best financing option possible.

We can help people with any budget, including quality used cars under $10k. We seek to provide pre-owned cars, trucks, and SUVs for a great price while giving top dollar for trade-ins for those seeking to upgrade. Applying for financing is an easy process - you can get started by filling out our online application to make the process even faster. Bad credit? No Problem! For those with a limited credit history or past credit difficulties, we can help find the best subprime auto loan option for your situation.

We can help you in many ways:

  • Online payment calculator to help you determine your budget.
  • Trade-in value calculator to estimate the value of your current vehicle if you plan to trade it in.
  • Best interest rates, monthly payments, and other terms.
  • Offers from numerous banks to find the most competitive option.
  • Ways to protect your investment, such as extended warranties, guaranteed asset protection (GAP) coverage to protect you in the event of a loss, key protection, and roadside hazard protection.
Contact US

Saving is simple thanks to the wide variety of used car specials in York, PA, at York Auto Source. We proudly have pre-owned truck sales and used SUVs available for incredible value. Plus, we can help you trade in a vehicle or sell a car for cash if you want to move on from your current vehicle to upgrade to a high-quality used car for sale on our lot. Whether you're wondering "what's the best used car for me?" or you're interested in securing a bad credit car loan, you can do it all with complete confidence at our Central PA used car dealer!

Subprime Loans

Subprime loans carry higher interest rates but provide financing to those who have credit issues for a variety of reasons. We can extend approvals for auto buyers with situations including:

  • Fixed income such as Social Security or pension.
  • Unemployment insurance income.
  • More than one open auto loan.
  • Repossessions on record.
  • Self-employed individuals.
  • Low credit scores.
  • Minimal credit history or first-time buyers.
  • Temporary employment.
  • A short time at a job or current residence.
  • Bankruptcy. Either a closed Chapter 7 or open Chapter 13 with a court or trustee approval.

Subprime financing is usually easiest to get for vehicles with under 100,000 miles that will retain their value throughout the life of the loan. The credit score ranges from 300 to 850, with scores of 550 to 650 falling into the subprime category. Scores over 700 help borrowers get more favorable interest rates and open the door to more financing options.

Credit scores have three major influences:

  • Payment history.
  • Percentage of available credit used.
  • Length of credit history.

Finding the Best Finance Option

Your Auto Source's used vehicle auto financing specialists will help get you on the road with the best financing option. Each buyer has a unique situation, and we are ready to meet your goals creatively. From excellent to challenged credit, we can help. First-time buyers, those who plan to trade up every couple of years, and those who plan to pay off and keep a car for many years can all benefit from our financing department and our guaranteed credit approval.

Before starting a finance application, you can take steps to ensure the best terms by checking your credit report, paying down credit cards, and keeping all of your accounts in good standing. Credit agencies offer free credit reports, and there are many tools, often through credit cards and free of charge, that can help you simulate how your credit score is affected by different actions like paying down a credit card.

When you're ready to get into a quality used vehicle in the York, Pennsylvania area, visit the finance team at Your Auto Source. We guarantee we can find you affordable financing to get you into a new-to-you vehicle today. You can reach us at 855-828-2665 or via our online secure messaging system for any questions you may have or to speak to our finance experts.