Mossy Auto Exchange Finance Center

Finance Department Hours

858-260-5091

Mon:

9:00 am – 7:00 pm

Tues:

9:00 am – 7:00 pm

Wed:

9:00 am – 7:00 pm

Thurs:

9:00 am – 7:00 pm

Fri:

9:00 am – 7:00 pm

Sat:

9:00 am – 7:00 pm

Sun:

10:00 am – 6:00 pm

Easy & Fast Financing

Mossy Auto Exchange makes it easy to secure affordable financing terms when you purchase a used vehicle.

Our finance experts are committed to finding you the best deal, no matter your credit situation. We work closely with trusted financing sources and can help find you a loan with a low rate and flexible terms.

You're in Good Hands

Meet Cameron Cole and Noriko Hayden, our amazing Finance Managers at Mossy Auto Exchange. They work with over 100 different banks and local credit unions to get financing for all types of credit profiles. They also offer protection packages to take care of your investment. Come down today and get to know the team that will take great care of you.

Finance Questions?

Write a note below and one of our friendly finance experts will get you an answer.

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Estimate Monthly Payments

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Only an estimate. Excludes taxes, title, license, and insurance.

Price

Price

The total cost of the vehicle.

Down payment

Down Payment

A down payment is an initial, upfront payment you make toward the total cost of the vehicle. Your down payment could be cash, the value of a trade-in, or both. The more you put down, the less you need to borrow. A larger down payment may also reduce your monthly payment and your total cost of financing.

Trade-in value

Trade-in Value

The trade in value is the amount that a dealer is willing to offer you towards the purchase of a new vehicle in exchange for your current one. It’s typically based on the market value of your vehicle (the amount it would sell for on the open market).

Payoff amount

Payoff Amount

Your payoff amount is how much you will actually have to pay to satisfy the terms of your mortgage loan and completely pay off your debt. Your payoff amount is different from your current balance.

Additional down payment

Additional Down Payment

Additional down payment in cash.

Term

Loan Term

This is the length of your auto loan, generally expressed in months. A shorter loan term (in which you make monthly payments for fewer months) will reduce your total loan cost. A longer loan can reduce your monthly payment, but you pay more interest over the life of the loan. A longer loan also puts you at risk for negative equity, which is when you owe more on the vehicle than the vehicle is worth.

Finance rate (APR)

Finance Rate (APR)

This is the annual percentage rate, and is not always the same as the interest rate. This represents the annual rate that is charged, and as such, is the actual annual cost to the consumer over the course of the auto loan. The APR will allow you to more easily shop and compare car loans, since it equates all loans to the same annual rate.

Rate based on estimated credit score:

Custom rate

Pre-Owned Inventory

Mossy Auto Exchange Finance Center

Finance Department Hours

Easy & Fast Financing

You're in Good Hands

Finance Questions?

Buy & Sell the EzFast Way!

Estimate Monthly Payments

We'd Love to Hear From You

Need help? Call (858) 260-5091

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