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At Arrow Point Auto Mall, we believe in making your vehicle financing clear and accessible. Our Arrow For Life program ensures you understand every aspect of used vehicle financing, from warranties to payment options.
Shopping for your dream vehicle in Abilene, Sweetwater or San Angelo? Browse our hand-selected inventory or featured specials of premium used cars, with financing starting at 4.99% APR.
Understanding Auto Financing In Texas
How Car Loans Work |
Benefits of Choosing Auto Loans |
Interest Rates Explained |
Term Length Options |
Down Payment Benefits |
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| Traditional auto loans are the most common car financing option that banks or credit unions offer. In these contracts, the loan is secured against the car itself. If you fall behind on payments, the lender may choose to repossess the vehicle and sell it to recover the loss. | Since these loans use the car as collateral, auto loans offer more favorable rates and terms compared to unsecured loans. The type of vehicle significantly influences loan terms—new vehicles secure lower interest rates than used ones. On the other hand, CPO (certified pre-owned) cars often come with special financing perks that put them closer to new car rates than typically used car loans. They’re definitely worth considering. | Your interest rate tells your unique story. Many factors are considered—from your credit score to your chosen down payment to current market rates to vehicle age—every detail matters. Each plays its part in crafting your financing package. | With loan term options, you can take control of your payments. Most terms typically range from 24 to 84 months. Want lower monthly payments? Choose longer terms, but you’ll increase your vehicle’s total cost. Aiming to save on interest? Shorter terms put money back in your pocket over time but require a high monthly payment. | Down payments power up your purchasing position when financing a vehicle—they reduce the loan amount needed and show that you're committed financially to lenders. Down payments generally range from 10-20% of a vehicle’s price. Larger down payments help you secure better rates and reduce monthly payments. |
Understanding auto financing is just the beginning.
At Arrow Point Auto Mall, we're ready to turn that knowledge into action with rates starting at 4.99% APR on our premium pre-owned vehicles.
Factors to Making Your Auto Loan Work
Ready to apply for a car loan? Before you apply or sign the dotted line, understanding the key factors that shape your auto loan puts you in control of your car-buying journey. Let’s explore what our lending partners look at and how we can position you for our leading 4.99% APR rates.
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Your credit score opens doors to Arrow Point's best financing options. A score of 660 or higher unlocks our premium 4.99% APR rates and flexible terms for up to 84 months. Even if your credit isn't perfect, our experienced finance team will help match you with the right lender to deliver the most favorable financing for your scenario. |
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Your down payment is your power move. While we offer flexible down payment options, a larger down payment of 10-20% strengthens your application and often leads to a better financing package. Think of higher approval chances, improved interest rates, lower monthly payments and more flexible term options. For example, on a $30,000 vehicle, a 20% down payment of $6,000 could save you significantly over your loan term while building instant equity in your vehicle. |
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Your financial foundation matters at Arrow Point Auto Mall. Our finance team will review your financial situation to help you create a comfortable monthly payment that leaves room for insurance, maintenance, and life's other expenses. Once calculated, we'll create a loan package that fits well into your budget, whether you're from Abilene, Sweetwater, or the San Angelo area. |
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Having strong documents-about your proof of incomce, employment and residence-makes your auto loan application stronger. But getting approved at Arrow Point is simplier than you think. We've streamlined the process, which also adds proper insurance coverage in the mix, helping you get from our paperwork to our parking lot with ease. |
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Now that you understand what shapes your auto loan, let's put that knowledge to work.
At Arrow Point Auto Mall, we'll help you leverage these factors to secure your best financing package on our featured vehicles.
Should You Lease or Buy?
Traditional auto loans are one option for auto financing that Arrow Point offers in Abilene, TX. But why not consider a lease instead? Let's explore the key differences between buying and leasing your next dream vehicle with Arrow Point.
When You Buy |
When You Lease |
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By purchasing a vehicle with traditional financing, you transform every payment into ownership. As you progress through your loan term of up to 84 months, you're building real equity in your vehicle. You can take pride in true ownership - customize your ride, drive unlimited miles, and watch your investment grow. |
Think of leasing as a long-term rental with benefits, where you make payments to drive for a set time period. You'll enjoy lower initial costs and the freedom to upgrade regularly. While you won't build equity, you'll benefit from lower upfront costs and the simplicity of a structured payment plan. |
Buying Advantages |
Leasing Advantages |
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When you buy, you can unlock competitive rates starting at 4.99% APR if you're qualified. You'll stretch your investment across flexible terms up to 84 months, drive without mileage concerns, and potentially benefit from tax advantages. Best of all, you're building towards full ownership with every payment. |
While you'll enjoy predictable payments and regular upgrade opportunities with leasing, be mindful of the fine print that shapes your journey. Your annual adventures are usualy capped at 12,000-15,000 miles, and it's required to keep your vehicle in prime condition. Think of lease payments as your ticket to drive, not a path to ownership. While early exit fees may apply, the freedom to upgrade to the latest models could make leasing your perfect fit. Remember though - you're investing in the experience, not the asset. |
Understanding the differences in costs between both options helps you make an informed choice. Here's a breakdown of how the numbers differ.
| Buying | Leasing | |
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| Monthly Payments | Investment in ownership | Lower short-term cost |
| Down Payment | 10-20% builds equity | Minimal upfront investment |
| Maintenance Cost | Full ownership responsibility | Warranty protection |
| Long-term Value | Growing equity | Flexibility to upgrade |
| Term Length | Up to 84 months | Generally 24-36 months |
The Path to Purchase |
The Lease Lifestyle |
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Buying becomes your perfect path when building equity matters to you, and you're ready to make a vehicle truly yours. For the road warriors who clock more than 15,000 miles annually, buying liberates you from mileage restrictions. Love to personalize your ride? Ownership gives you the freedom to customize while building value through our Arrow For Life program. With competitive rates starting at 4.99% APR and terms up to 84 months, the road to ownership is more accessible than ever. |
Leasing offers a different kind of freedom. If you thrive on driving the latest models and prefer predictable monthly payments, leasing could be your ticket to automotive flexibility. Perfect for those who maintain modest mileage habits and appreciate the security of warranty coverage. Without the long-term commitment of ownership, you're free to upgrade your ride more frequently. Plus, with typically lower monthly payments, leasing can help you access more vehicles for your monthly budget. |
At Arrow Point Auto Mall, we're here to help you navigate both leasing and buying paths so you can have the perfect solution for your journey.
Why Finance Your Next Vehicle with Arrow Point Auto Mall
Financial Expertise at Your Service
Step into a world of financing possibilities at Arrow Point Auto Mall. Our extensive network of lending partners opens doors to competitive rates starting at 4.99% APR.
From flexible terms up to 84 months to special military rates, we craft financing solutions as unique as your needs. Whether you're from Abilene, Sweetwater, or San Angelo, our financial advisors will secure terms that fit your budget.
Arrow For Life Advantages
Experience the difference of our signature Arrow For Life program. Beyond just financing, we're building a lasting relationship. Enjoy free credit consultations that put you in the driver's seat of your financial future.
Our generous trade-in bonuses make upgrading your ride more affordable, while comprehensive extended warranty options protect your investment for the road ahead.
Personalized Financial Advice
Your journey deserves more than one-size-fits-all financing. Our expert financial advisors dive deep into your unique situation, exploring every avenue to find your ideal solution.
Even if your credit isn't perfect, we're dedicated to finding the right path forward. With access to multiple lenders, we often succeed where others can't, turning challenging situations into success stories.
Ongoing Support and Guidance
Our commitment doesn't end at signing. The Arrow Point team stands with you throughout your entire ownership journey. From service center expertise to financial guidance, we're here whenever you need us. Regular check-ins, maintenance support, and financial advice ensure you're never alone on your automotive journey.
Your dream of quality pre-owned vehicle ownership becomes a reality with Arrow Point Auto Mall's comprehensive financing solutions. Let our team craft the perfect package for your next vehicle.
Drive Home with Confidence with Arrow Point Auto Mall
Ready to experience the Arrow Point difference? Your path to your dream vehicle is just moments away. With rates starting at 4.99% APR, flexible terms up to 84 months, and our exclusive Arrow For Life program, we're ready to turn your automotive dreams into reality.
From Abilene to San Angelo and Sweetwater, we're more than just a dealership—we're your long-term automotive partner. Our commitment to transparent financing, competitive rates, and ongoing support through Arrow For Life means you'll drive with confidence for years to come.
Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied. All vehicles are subject to prior sale. Price does not include applicable tax, title,license, $150 documentation fee. ‡Vehicles shown at different locations are not currently in our inventory (Not in Stock) but can be made available to you at our location within a reasonable date from the time of your request, not to exceed one week.