Financing with Our Dealership

We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.

We’ve worked with countless customers with all kinds of credit to help them discover their financing options.

Yes. Acura of Palm Beach offers an online finance application so shoppers can start the pre-approval process before visiting the dealership. Getting started online can help you better understand your options and prepare for your next steps.

There is no single minimum credit score that guarantees approval because auto financing decisions usually depend on several factors, such as credit history, income, vehicle choice, down payment, and lender guidelines. Drivers with a wide range of credit backgrounds may still have financing options available. This page specifically notes flexible credit options and says the dealership has worked with customers across many credit situations.

Yes. The financing page states that Acura of Palm Beach can help shoppers get into a new or used vehicle, so used car financing is part of the options available. Financing terms can vary based on the vehicle, lender, and buyer profile. 

In many cases, yes. A vehicle trade-in can often be applied toward the purchase of your next vehicle and may help reduce the amount you need to finance. Your final financing structure will depend on the vehicle appraisal, payoff status if you still owe money, and lender approval.

Common items include a valid driver’s license, proof of income, proof of residence, insurance information, and details about the vehicle you want to purchase. If you plan to trade in your current vehicle, it is also helpful to have registration and payoff information available.

APR stands for annual percentage rate. In auto financing, APR reflects the cost of borrowing money each year, including interest and certain lender-related charges. A lower APR can reduce the total amount paid over the life of the loan, while the final rate offered depends on factors such as credit profile, lender terms, and loan structure.

Refinancing may be possible depending on your current loan, vehicle, and lender options available to you. Some shoppers explore refinancing to try to lower their monthly payment, change their loan term, or pursue a different rate structure.