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Kelly Mazda
Sales Sales: (570) 941-2491
Service Service: (570) 941-2492
18509 1200 Wyoming Ave, Scranton, PA 18509
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Sales Sales: (570) 941-2491
Service Service: (570) 941-2492
18509 1200 Wyoming Ave, Scranton, PA 18509


You’ve done your research and picked out the MAZDA vehicle of your dreams, and now all that’s left to do is explore your Mazda finance options. Especially for first-time car buyers or those who haven’t purchased a car in some time, the prospect of financing a new vehicle can be intimidating. To help our community, our Scranton Mazda dealership put together this list of frequently asked questions about the financing process. 


Q: Why Finance a New MAZDA vehicle? 


A: Financing can be an excellent way to purchase a new or Certified Pre-Owned Mazda car. While it is always acceptable to purchase a car outright with cash, many shoppers choose to take out a loan from a bank or lender at interest and pay off the loan in monthly installments. This requires less money upfront but requires the borrower to pay a small percentage of the overall loan amount with their monthly payments in the form of interest. 


Q: What are Common Financing Terms? 



A: There are three central terms in the financing process: the loan term, loan interest, and down payment. The loan term is the length of time, usually measured in months, that the borrower agrees to repay the loan. The final cost of the car is then divided into corresponding monthly payments.  


In addition to the premium, the borrower pays an additional percentage in interest as payment to the lender. Finally, a cash down payment made at the time of purchase will reduce the overall monthly payment of your vehicle. 


Q: Can I Finance a Car If I Don’t Have Good Credit? 


A: It is true that credit history is considered when a lender makes a decision about whether or not to extend a loan. They will also factor in numerous other elements, such as your employment, assets, and living situation, all of which can impact the final decision.  


If you’re concerned about your credit, the best course of action is to reach out to our finance department to see how we can work to make your dreams of a new Mazda3 or other fine vehicle a reality. 


Q: What if I Have More Questions about Mazda Financing? 


A: Give us a call or visit us online at Kelly Mazda! Our friendly associates are always ready to answer your questions and walk you step-by-step through the financing process. Whether you’re looking to finance, lease, or purchase outright, we’re here to help find the vehicle that’s right for you.  



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