Auto Financing

Auto Loans

Our rates are as competitive as any other bank around! Come in and talk to our friendly staff and see how you can qualify. Whether you're buying a new or used car or refinancing, our comprehensive auto loan services and benefits can help steer you in the right direction. Let us help put you in the drivers' seat. ALL Credit decisions are made locally and timely.

WE HAVE SPECIAL FINANCING AVAILABLE WITH LOW RATES FOR QUALIFIED CUSTOMERS

Why to finance a car:

Money when you need it: A loan gives you the freedom to make a purchase you need (like a car) now, while spreading the payments out over a manageable period of time in the future.

Opportunity to build your credit history: Making timely payments on an installment loan is one way to establish a solid credit history. If you consistently make payments on a car loan, for example, your credit history will grow over time and give lenders the assurance that you know how to manage credit.

Credit flexibility: If you've had some financial challenges in the past, you may find that it's difficult to get approved for a lease. In general, loans offer more forgiveness when it comes to your credit history.

Ownership: Unlike a lease, you build equity in the vehicle and own it outright when you complete the terms of the loan agreement. There can be a great satisfaction in holding your own car title.

Wider selection of vehicles: Although used car leasing is growing in popularity, most leasing companies prefer to lease cars that are no more than three years old. What if the model you want is five years old? A loan will open the door to a broader selection of model-year choices.

Contact a qualified Valley State Bank Auto Loan Specialist at The Valley State Bank in Syracuse at 620-384-7451 or at Garden city at 620-805-6700.



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