Should I Finance a Used Car?

As they shop for their next vehicle, many Hardeeville, Bluffton, and Hilton Head Island drivers will decide to buy a used car. There are plenty of options available for financing pre-owned vehicles, but you may be wondering: should I finance a used car?

There are several benefits to doing so, but it's also an entirely different experience from financing a new car. At Peacock Used Cars & Trucks, we want to show you how you can make used car financing work for you!

Questions to Ask Yourself

When you're deciding whether financing a used car makes sense in your situation, there are many factors you'll want to consider. They include:

  • What Are the Interest Rates? You'll find that interest rates are often (though not always) a bit higher when you finance a used car vs. a new one. Consider what your payments will look like throughout your loan term.
  • Do You Have a Trade-In Car? With the value of your trade-in going toward your next pre-owned car, you may find financing more manageable. Use our Value Your Trade tool to appraise the value of your current ride.
  • Where's the CARFAX® Vehicle History Report™? You'll want to make sure the used car you're considering is in top condition. With a vehicle history report, you can learn about service records, accident history, title information, and more, so you can decide whether financing is worth it.

Expert Used Car Finance

If you're wondering whether used car financing is the best option for you, you can always set up a meeting with one of our financial consultants. Our entire finance center is dedicated to helping you through every step of the finance process, so you can make the right investment for you.

In advance of your meeting, you can fill out and submit our secure online finance application. We've made it quick and easy, and you can do it all from the comfort of your own home or office. When you stop in for a visit, we'll have all the information we need to start searching for the best finance plans available.

Pre-Owned Cars to Consider

As you shop for pre-owned cars, you'll want to consider various types of available cars. Many dealerships offer certified pre-owned vehicles, which have been inspected and restored according to rigorous factory standards. They often come with factory-backed warranties, too, to give you more peace of mind behind the wheel.

Another option? Many dealers have special inventories for cars with top value. For instance, our inventory of Vehicles Under $15K includes used cars with the lowest sticker prices, so you may have to finance less to get behind the wheel. Remember to look at all your options before choosing your next pre-owned car!

Visit Our Finance Center Today in Hardeeville, SC!

So, should you finance a used car? In many situations, it's the smartest path forward, and we look forward to helping you decide if that's true in your case. When you're ready to talk finance, set up a meeting with our professional team.

At Peacock Used Cars & Trucks, we're committed to helping Hardeeville, Bluffton, and Hilton Head Island drivers find used car finance plans that meet their needs. We look forward to working with you!

Make an Inquiry


Peacock Used Cars and Trucks


  • Sales: (843) 208-1400
  • Service: (843) 208-1400
  • Parts: (843) 208-1400


  • Monday 9:00AM - 8:00PM
  • Tuesday 9:00AM - 8:00PM
  • Wednesday 9:00AM - 8:00PM
  • Thursday 9:00AM - 8:00PM
  • Friday 9:00AM - 8:00PM
  • Saturday 9:00AM - 8:00PM
  • Sunday 1:00PM - 5:00PM