Auto Finance FAQs

Your Loan & Lease Questions Answered at Benson Kia

Frequently Asked Questions About Financing

When Is a Good Time To Start Financing?

While everyone is different, and everyone goes through the process at different speeds, the best time to finance your car is after you have found a model you really love. That means, prior to financing, you should find a vehicle you like and take it out on a test drive. This will allow you to get a feel for the vehicle before you put any money down or discuss any details.

What Is Financing a Car Like?

This depends on how you are financing your vehicle -- if you are doing it in person, or if you filling out our online finance application. If you visiting our dealership from Simpsonville or Greenville, then you will work with a member of our team throughout the entire process. They will ask for some information about your income, employment information, credit history, and more. We will then work to get a financing plan that matches your budgetary needs. If you are filling out our application online, you can securely input this information from the comfort of your home, and a member of our financing team will reach out afterward.

Should I Buy or Lease My Next Car?

When you finance a vehicle, you generally have two purchasing options to consider: buying and leasing. Both come with their own benefits. For instance, leasing is more affordable on a monthly basis. However, it also comes with mileage parameters, and is better as a short-term investment. Buying a car tends to be more expensive per month (and overall). However, when you buy a car you won't have to worry about mileage parameters.

Is It Possible to Finance a Car Online?

Yes! We have an online finance application you can easily use, which is comprehensive and secure.

Can I Add Warranties To My Automotive Loan?

Our team understands that it is important to make sure your investment is protected -- especially after you have driven off the lot. That is where warranties come in. Our team will work with you to add warranties to your automotive loan. We can also answer any questions you may have about the benefits of adding warranties, or about the warranties themselves.

What Is GAP Insurance?

After buying a vehicle, you need insurance before you are able to drive it off the lot. However, your insurance may value your vehicle at a different price than what you owe. Therefore, in the event of a collision, you may be left with a gap to cover. However, with GAP insurance, you can protect yourself from that situation. GAP insurance covers the amount between what your insurance values your vehicle at and what you owe, taking the financial burden off your shoulders.

If My Credit Score Isn't Perfect, Can I Still Get a Car?

The quick answer to this question is yes! Here at Benson Kia, we are proud to work with a variety of drivers from all types of backgrounds. That includes drivers who may have poor credit score, or who may be working on building up their credit.

Ready To Learn More?

If you would like to learn more about our selection of vehicles, or if you have any questions about the financing process, we invite you to visit us at Benson Kia, located in Spartanburg, SC. Our team would be proud to help you schedule a test drive with your preferred automotive option.

We are proud to serve drivers in Shelby, NC and Forest City.

  1. Benson Kia

    1100 North Pine Street
    Spartanburg, SC 29303

    • Sales: (864) 668-1894
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Get in Touch

  • Contact our Sales Department at: (864) 668-1894
  • Monday9:00AM - 8:00PM
  • Tuesday9:00AM - 8:00PM
  • Wednesday9:00AM - 8:00PM
  • Thursday9:00AM - 8:00PM
  • Friday9:00AM - 8:00PM
  • Saturday9:00AM - 6:00PM
  • SundayClosed