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10611 Boney Avenue, D'Iberville, MS, 39540

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Dealership Info

Phone Numbers:Online Showroom Hours:
  • Mon - Sun12:00 AM - 12:00 AM
    (Always Open for Online Shopping)
Sales Hours:
  • Mon - Fri9:00 AM - 8:00 PM
  • Sat9:00 AM - 7:00 PM
  • SunClosed
Service Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat8:00 AM - 4:00 PM
  • SunClosed
Parts Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat8:00 AM - 4:00 PM
  • SunClosed




Tips for Financing a Used Car


You’ve found your perfect used car! Now, all that’s left to do is finance it! To help you get behind the wheel of your ideal pre-owned vehicle, Pat Peck Kia is here with some helpful tips for financing a used car!

Check it out below and head over to our dealership near D’Iberville, Gulfport, and Hattiesburg, MS, when you’re ready to start the approval process.

Credit Score

Get Your Credit Score

It’s true—you can buy a used car no matter your credit score. However, it’s still important to check it before you head to the dealership. Credit scores can determine the types of financing rates and offers you’ll qualify for. Those with higher scores (over 700) may be approved for used car financing with lower interest rates.

If you want to raise your score before you buy your pre-owned vehicle, you can do so by paying your credit card bills on time and paying off the entire statement balance each month if possible. You should also limit the number of hard pulls on your credit to no more than two within two years. A hard pull occurs when a bank or credit card company checks your credit to see if you’re qualified for a loan or credit card.

Finance with a Cosigner

Improving your credit takes time, but getting a cosigner can get you behind the wheel of a used car sooner. For drivers with lower credit scores, a cosigner with a better score helps boost approval rates when applying for financing.

When your cosigner signs your used car loan with you, they’re agreeing to take on the responsibilities of having the loan too. So, they will need to make payments if you can’t. Furthermore, late or missed payments for your used car loan will also affect your cosigner’s credit score. With that said, it’s important to make sure you’re making payments on time each month.

Lower Car Payment

Consider Financing Terms

If you’re financing a used car, chances are, you’ll pay interest. Think of interest as the cost of having a loan. The lower the interest rate, the lower your monthly payments can be. However, the amount of interest you’ll pay through the course of your loan depends on the financing terms.

Financing terms can range from two to five years or even more, depending on the type of financing you’re approved for. Typically, it’s better to choose a shorter term if you want to pay less interest over time.

Down Payment

Put Some Money Down

Want to lower monthly payments even further? Consider providing a down payment when you apply for financing. Since down payments go toward the value of the used car, they help reduce the amount you need to finance. The more you put down, the lower your monthly payments can be.

You can also trade in your current car if you want to put even more down when financing. Just take your vehicle to the dealership when you’re ready to buy. We’ll inspect it and provide you with a trade-in value based on its condition, mileage, and more. From there, we can apply it to the cost of the car and provide you the financing options you need.

Finance a Used Car Today

Ready to finance a dependable new-to-you vehicle? With the right tips, you can apply with confidence and get one step closer to driving off in your used car.

For more information, drivers in D’Iberville, Gulfport, and Hattiesburg, Mississippi, can contact the financing team at Pat Peck Kia!

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(228) 679-5200

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10611 Boney Avenue • D'Iberville, MS 39540

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Today's Hours:

Open Today! Sales: 9am-8pm

Open Today! Service: 7:30am-6pm

Open Today! Parts: 7:30am-6pm

Pat Peck Kia

10611 Boney Avenue D'Iberville, MS

Phone: (228) 679-5200'Iberville%2C%20MS%2039540


Phone: (877) 357-9477

10611 Boney Avenue D'Iberville, MS


Phone: (228) 679-5200

10611 Boney Avenue D'Iberville, MS


Phone: (228) 679-5252

10611 Boney Avenue D'Iberville, MS
30.4435952 -88.8960163
Pat Peck Kia 30.4435952, -88.8960163.