Streamlined Online Application
Handle Your Transaction in One Convenient Location
Competitive Financing Packages
We Cater to All Credit Profiles
FLEXIBLE AUTO FINANCING
Acquiring a vehicle is always a significant milestone. At Cosmo Motors, we've established partnerships with some of the most reputable lenders, banks, and credit unions in our industry. Our lending partners extend exceptional interest rates and favorable terms to well-qualified borrowers. We're dedicated to tailoring an auto loan package that aligns perfectly with your unique financial requirements.
Even if you're short on upfront funds, many of our lenders are open to providing 100% financing for used vehicles. What's more, it all commences with our user-friendly pre-approval form. Simply complete the form for a swift approval, and one of our seasoned professionals will reach out to you to discuss the next steps.
HOW YOUR CREDIT SCORE IMPACTS YOUR AUTO LOAN
Although your credit score comprises just three digits, it holds sway over nearly every aspect of your life, encompassing your capacity to secure employment, housing, and, of course, an auto loan. Put plainly, the higher your credit score, the more enticing options you'll encounter. All lenders are inclined to extend lower interest rates and more favorable terms to borrowers boasting higher credit scores.
This stems from the fact that individuals with higher credit scores are viewed as less risky compared to those with lower or poor credit scores. Should your credit be less than stellar or if you have no credit history at all, financing a vehicle and making punctual payments can markedly enhance your creditworthiness, paving the way for a substantial impact on your next vehicle acquisition.
DOES COSMO MOTORS PROVIDE AUTO LOANS FOR POOR CREDIT?
At Cosmo Motors, we've successfully assisted customers from all walks of life, spanning a wide spectrum of credit profiles. If you've grappled with a history of poor credit or have yet to establish credit, allow us to earn your business and help you! Leveraging our robust relationships with top-tier lenders, we're here to help individuals who've previously encountered a "NO" secure dependable transportation.
To connect with one of our finance experts just tap the chat icon at the bottom of the screen, give us a call at 828-324-2444, or pay us a visit at 545 12th Street Drive Northwest, Hickory, North Carolina 28601.
Most of our vehicles qualify for an extended
warranty. Highly modified vehicles are NOT eligible.
(Vehicles with intake and exhaust typically eligible)
• One month/unlimited miles to 72 months/120,000
• Prices start at only $5 A MONTH
• All warranties backed by major insurance
• Can be serviced at any ASE Certified Shop across
• Free roadside assistance with every service plan
• Rental car reimbursement and trip
WE STAND BEHIND
GAP Insurance is the difference between the actual
cash value of a vehicle and the balance still owed
on the financing. GAP Insurance protects
you in the event of a total
loss, keeping you from making payments on a vehicle
you no longer own, even if it isn't your fault!!
• Terms as long as 84 months
• Coverage of up to 150% book value
• GAP pays deductible up to $500
• Fully insured