• Key and Pen for Auto Documents

    How Does Car Financing Work?

    When you’re getting ready to take home a new car for your drives around Bastrop, there are a few routes you can take. Are you wondering, “What does it mean to finance a car?” or “How does financing work?” The team at Sames Bastrop Chrysler Dodge Jeep Ram is ready to help!

How Does Financing a Car Work?

The first order of business when financing a new or used vehicle is to apply for the loan through a dealership, your bank, or your credit union. This application can be done online, or you can come into our dealership near Bastrop. These factors are all taken into consideration:

  • Vehicle Age
  • Credit Score
  • Total Loan Amount
  • Loan Length
  • Debt-to-Income Ratio

If you’re unsure of your credit score or if you don’t have a strong credit history, you should consider asking a family member or close friend to cosign your loan.


Credit information form

Choose Your Lender

When you’re approved for a loan, you’ll have several options to consider. If the dealership offers their own in-house financing, it may still behoove you to compare their offer to a bank or credit union offer in case you can find a better deal. Consider how much cash you can initially put down, as well as your monthly payment. This way, you can ensure you will be able to pay back the loan.

Finalize the Loan Terms

Before you finalize your loan and begin the car buying process, you may still be able to negotiate the price! If this is the case, you and the salesperson can negotiate terms to find the deal that works best for your budget and lifestyle. Now, you can finalize the loan terms and close the deal. All that’s left is to sign paperwork, take delivery, and drive home to the Del Valle area in your very own new car!

Want to Know More About Car Financing in Cedar Creek?

To learn more about the automotive finance process, our used Jeep Cherokee inventory, and how to calculate interest rates on a car loan, contact us online or simply stop by our dealership to speak to a member of our finance department. We’re close to Giddings, and there’s never been a better time to drive in and say hello!

Saved Vehicles ×


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us ×

​(512) 772-4866

Call Now

1586 TX-71 • Cedar Creek, TX 78612

Get Directions

Today's Hours:

Open Today! Sales: 9am-8pm

Open Today! Service: 7am-6pm

Open Today! Parts: 7am-6pm

Sames Bastrop Chrysler Dodge Jeep Ram

1586 TX-71 Cedar Creek, TX

Phone: ​(512) 772-4866



Phone: ​(512) 772-2744

1586 TX-71 Cedar Creek, TX

Mobile Parts

Phone: (512) 772-4793

1586 TX-71 Cedar Creek, TX


Phone: ​(512) 772-4866

1586 TX-71 Cedar Creek, TX

Mobile Sales

Phone: ​(512) 772-2299

1586 TX-71 Cedar Creek, TX


Phone: ​(512) 772-3481

1586 TX-71 Cedar Creek, TX

Mobile Service

Phone: ​(512) 772-4862

1586 TX-71 Cedar Creek, TX
30.1259126 -97.4388706
[schema type="organization" orgtype="LocalBusiness" url="www.samesbastropchryslerdodgejeepram.com" name="Sames Bastrop Chrysler Dodge Jeep Ram" description="" street="1586 TX-71" city="Cedar Creek" state="TX" postalcode="78612" country="US" email="MWASEM@SAMES.NET" phone="​(512) 772-4866" logo="https://di-uploads-development.dealerinspire.com/samesbastropchryslerdodgejeepram/uploads/2018/12/SamesBastropOGImage.png"]
Sames Bastrop Chrysler Dodge Jeep Ram
Sames Bastrop Chrysler Dodge Jeep Ram
1586 TX-71
Cedar Creek, TX, 78612 US
​(512) 772-4866
Sames Bastrop Chrysler Dodge Jeep Ram 30.1259126, -97.4388706.