Apply for Financing

Apply for Car Finance

If you are ready to take a Chevrolet vehicle home to you in the Gulfport area, be sure to use our car financing tool. You can start the car buying process from the comfort of your own home for a faster transaction. Proceeding with a vehicle finance online pre-approval will open doors for your Chevrolet financing and narrow down your budget.

We are proud to help you with the new Chevy finance process no matter your credit score or financial situation. If you have more questions about applying for auto financing at our Biloxi dealership, feel free to give us a call or talk with our finance experts within our finance department at Ray Brandt Chevrolet. We are dedicated to getting you the service you need as soon as possible.

How To Apply For Car Finance Online

Starting the vehicle finance online pre-approval process is quick and easy. You'll need to provide basic contact information and various data points about your finances and the course of action you’d like to take. Whether you are leasing or financing, our auto financing service can help you with the process. Once the car finance online application has been completed, the specialists can determine your loan amount. From there, you'll be able to sign an advantageous loan agreement!

Should You Lease or Finance Your New Vehicle?


When you lease a car, you’re essentially renting it for a limited amount of time and a limited number of miles. Once the lease ends, you can choose to:

  1. Lease a different vehicle
  2. Finance the vehicle you were leasing until it is completely paid off
  3. Return the vehicle and walk away


Financing a vehicle is far more straightforward. When you apply for financing a car, you will get a car loan based on your credit score that’ll pay off your vehicle. You then will pay off the loan in monthly payments. This is an agreement that you're likely familiar with since many drivers tend to finance. At Ray Brandt Chevrolet, we offer strong financing options so you can improve your commute from Ocean Springs to Vancleave for less!

Apply For Car Finance Online with Ray Brandt Chevrolet

If you’re looking to upgrade your car, learn more with our finance experts today. Read our car buying tips if you would like more information on how to finance your vehicle. Our team is standing by to help you make a swift improvement to your experience behind the wheel. Shop and save with us today!

Apply for Financing: FAQs

Q: Can I get in-house used car financing?

A: If you're looking for used car lots with in-house financing, you're in luck! Dealerships like Ray Brandt Chevrolet offer in-house financing on used cars. We also can help by connecting you with a wide variety of local lenders if you prefer a more conventional loan agreement. We have strong relationships with local lending institutions, so we can always help you find a great deal. However, you may be looking to simplify the process with used car in-house financing near Gulfport.

What is in-house financing for used cars anyway? In-house financing is when the dealership offers the loan directly. Financing this way has a variety of benefits. First and foremost, this option opens the door to a wider variety of drivers. If you're working on rebuilding your credit or establishing credit for the first time, it may be difficult to get a fair loan from a bank or credit union. Car dealerships are able to be a bit more flexible with their lending, so we can work with you if you're in a jam. Another primary benefit is simply convenience. Shopping and financing all in one location eliminates unnecessary stress. Our expert team is here to help you determine the best lender for your personal situation!

Q: How to get a car loan with bad credit?

A: While it may seem like automotive ownership is a pipe dream if you're working on rebuilding your credit, chances are you are closer to securing the keys to your next vehicle than you think. Bad credit car loans are certainly not ideal, but Ray Brandt Chevrolet specializes in helping our community members find reliable transportation. With that in mind, learning how to get a car with bad credit with Ray Brandt Chevrolet is easy.

First things first, it's wise to determine if there are any easy ways to boost your score. Sometimes paying off small debts or disputing errors can have a major impact. From there, you'll want to set a practical budget. Consider what you can afford to pay each month, including gas, insurance, and maintenance. Next, your best bet is to try to come up with a larger down payment. Having a larger down payment shows you as a favorable borrower. Last but not least, don't be afraid to shop around for a fair loan.

Oftentimes, banks aren't as flexible as dealerships can be with their lending. So, you can turn to Ray Brandt Chevrolet for support and guidance when it's time to secure a car loan. Best of all, when you make consistent, on-time payments on your bad credit car loan, you'll improve your credit score! This will make it easier for you to secure a vehicle in the future.

Q: How does car financing work?

A: Whether you're a first-time buyer or you're more familiar with leasing, you might be curious about how car finance works. What does it mean to finance a car anyway? When you decide you're ready for a new vehicle, you can purchase it outright, sign a lease, or finance it. When you finance, you'll work with a lender who will technically own the vehicle. Over time, you'll make payments to the lender until you take complete ownership of the car. Your monthly payments will be based on the principal of the loan plus interest.

How do lenders set loan agreements? Your lender will consider your credit score, loan amount, length of the loan, debt-to-income ratio, and the age of the vehicle. Based on those factors, you and your lender will come to an agreement on how much you need to pay each month. Financing is a great option for many drivers, as it allows you to travel free mileage restrictions without the need to come up with tens of thousands of dollars on the spot. Once you have a vehicle in mind, you can shop around to different lenders to secure the best offer. You can also work with Ray Brandt Chevrolet to find the right fit since we have strong relationships with a variety of local lenders!