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find out what dick hannah Kia can do for you
Car transactions aren’t something we do every day. And circumstances can change from one to the next. Whether you want to sell your car, trade it in for another one, or have questions about financing, our team of Kia financial specialists will guide you every step of the way.
Got a Question?
Explore some of our most frequently asked TOPICS
Why finance with Dick Hannah Kia?
All Dick Hannah dealerships have affiliations with local credit unions, major banks and manufacturer supported finance companies. Let our relationships work for you! The volume of auto loans we provide to lenders allows us to negotiate better terms for your loan. We make it easy to receive a desirable loan at the credit union, bank or finance company of your choice.
How does financing with Dick Hannah Kia work?
Our financing process is simple. Select the vehicle that best meets your needs a sales consultant will help you submit a credit application. If approved you can then decide which finance offer is the best option.
How are auto finance decisions made?
Financial institutions typically take four major factors into account:
- Vehicle Information: Cost, year and mileage
- Applicant Information: Residence, employment and income information
- Credit History: Information found within your credit file
- Down Payment: Cash and trade equity values
What do credit scores mean?
Credit reporting agencies create credit scores to assist financial institutions who predict risk. Scores generally range from 350 – 850 and, in most cases, higher scores equate to better financing offers.
- Timeliness of previous and current payments
- The length of your credit history
- The type and amount of your debts
- Your public records
How can I find out more about my credit history?
Three premier credit reporting agencies exist in the United States. Each is able to provide you with your credit score as well as an entire credit report.
I have had past credit problems, what can Dick Hannah Kia do for me?
Dick Hannah Kia accommodates the vast majority of credit profiles. Even people with past problems can still enjoy the same no-haggle pricing, quality, and exceptional customer service we give every Dick Hannah Kia customer.
If this is my first vehicle purchase, can I still qualify for vehicle financing?
Car buyers can still qualify for financing without a previous vehicle purchase.
What finance rates are available?
Finance rates depend on past credit history, the type of car being purchased, the amount of the down payment and overall market conditions.
What factors impact a monthly payment?
Your loan size, down payment, the length of the loan and the APR are the most important factors determining a monthly payment.
What documents should I bring?
Bring a valid state-issued driver’s license and proof of your current auto insurance. Additional information may be required so contact a financing representative for a thorough list of what is necessary.
Will you buy my car even if I'm not buying a car from Dick Hannah Kia?
Once your car has been appraised, we’ll give you a written offer that’s good for three days. And you are under no obligation to buy one of Dick Hannah Kia’s cars if you sell us yours.
Can I get my car appraised online?
We offer an online estimate to provide our customers with a general range of their car’s value. To get an exact Dick Hannah cash offer on your car, simply visit any Dick Hannah Dealerships location.
Do I pay Washington sales tax if I am an Oregon resident?
No you do not! Your vehicle purchase, service, and parts are exempt from Washington sales tax if you are an Oregon resident.
What makes Dick Hannah Dealerships' cash offer unique?
Our written offer is good for three days, and is valid whether you buy a car from us or not. Most other appraisals are based on you trading in your car for a new one.
Will regular maintenance/repairs affect the offer?
Your car’s overall physical and mechanical condition will have an impact on your appraisal offer.
Do I need an appointment for an appraisal?
No appraisal appointment is necessary. Just visit any Dick Hannah dealership or call for details. Your appraisal takes as little as 30 minutes. If you would like to set up an appointment, contact an Appraiser, or consult a Sales Consultant.
What if the titleholder cannot be present?
In most cases, we may be able to accept a Power of Attorney, allowing someone else to sign on the absent titleholder’s behalf.
Can I sell my leased car?
In most cases, you can sell your leased car. We’ll appraise the vehicle, then contact the leasing company for a payoff quote and process any equity you might have. Please note that some leasing companies will not allow you to sell the car prior to the expiration of the lease.
What if I owe more on my car than the amount of your appraisal offer?
If your pay-off amount is more than the offer for your car, the difference is called “negative equity.” In some cases, the negative equity can be included in your financing when you buy a new car. If not, we’ll calculate the difference between your pay-off and our offer to you.
What if I have a lien on my car?
We will need to contact your lien holder during business hours to get a 10-day payoff. To pay off the lien, we will need your lien holder’s name and phone number, the name(s) on the account, and your lien holder’s account number and social security number. If a previously paid-off lien is listed on the title, you’ll need both the title and the lien release from the lien holder before we can purchase your car.
Can I sell a car on behalf of a company?
If you would like to sell a car on behalf of a company, please see an Appraiser for the requirements needed.
At Dick Hannah, family, integrity, respect, and purpose matter.