Welcome to Our Finance Department
We offer financing for all new Chevrolets, Certified Pre-Owned Chevrolet vehicles, and used cars, trucks & SUVs of all makes and models. Every CPO car at Dyer undergoes rigorous inspections and includes extra benefits, so you can decide with confidence. Our team will walk you through warranties, coverage options, and transparent pricing for each choice.
When you choose Dyer Chevrolet Lake Wales, you're not just buying a vehicle—you’re investing in a better ownership experience. As part of the Dyer Automotive Group, we’re committed to a pressure-free, customer-first process offering:
- Honest, transparent pricing and no surprise fees
- Flexible ways to shop: online, in-store, or both
- Bilingual staff (English & Spanish)
- Digital paperwork, home delivery, and nationwide shipping
- Free trade-in appraisals valid for up to three days
- Full vehicle history reports on all used inventory
Get Pre-Approved (Soft Credit Check*)
See your buying power in about a minute—before you visit.
- Check pre-qualification with no impact to your credit score*
- Personalized terms based on your budget
- Save time at the dealership
Bad Credit? No Credit? First-Time Buyer?
We work with a wide network of lenders and credit unions—so even if your credit history isn’t perfect, we’ll explore options to help you get approved.
- Low and flexible down-payment options
- Programs for limited or no credit history
- Co-signer welcomed
- Multiple term options (e.g., 60–72 months)
- We’ll rate-shop our lender network to find a fit
$0 Down & Low-Payment Paths
Looking for the right monthly payment? Start here:
Start Your Financing Today
Getting pre-qualified helps you focus your in-person visit on finding your ideal vehicle. Once you’re ready, our finance team will structure terms that make sense for your budget and goals.
To streamline your visit, use these online tools:
Buying vs. Leasing: Which Path is Right for You?
| Option | Highlights | Considerations | Best For |
|---|---|---|---|
| Buy / Finance | Build equity, no mileage limits, full ownership | Monthly payment may be higher than a lease, but you keep the car afterward | High-milers, long-term keepers, customizers |
| Lease | Typically lower monthly payments, drive newer models more often | Mileage limits and customization restrictions may apply; wear-and-tear charges at lease end | Lower monthly budget, prefer the latest tech/features every few years |
There’s no one-size-fits-all answer. We’ll help you compare both paths and choose the right one for your driving habits and financial goals.
Buy Here Pay Here vs. Traditional Financing
We’re not a Buy Here Pay Here (BHPH) dealership. Instead, we partner with reputable banks and credit unions to offer competitive options. If you’re comparing BHPH offers, talk to us—we’ll show traditional financing paths that may lower total cost and build credit with on-time payments.
Documents to Bring (Speed Up Approval)
Having these ready helps us finalize your terms faster:
- Valid driver’s license
- Proof of income (recent pay stubs or bank statements)
- Proof of residence (utility bill or lease)
- Proof of insurance (we can help set this up)
- For self-employed: recent bank statements and tax returns
- Trade-in title/registration & payoff info (if applicable)
What’s better, buying or leasing?
Leasing often leads to lower monthly payments but includes mileage limits and wear guidelines. Financing (buying) typically costs more per month but gives you ownership and long-term flexibility.
How long is a typical car loan? What about a lease?
Common loan terms range from 36 to 72 months. Leases are typically 24 to 36 months.
I’ve had credit challenges. Can I still get financing?
Yes. We work with a range of credit profiles and will explore options that fit your situation. A co-signer or down payment may help.
Can I finance with zero down payment?
In some cases, yes — depending on credit, vehicle, and available incentives. We’ll review your best options.
Can I complete financing entirely online?
Yes. Apply online, upload documents, and e-sign most paperwork. We can arrange home delivery or in-store pickup.
Can I add warranties or protections to my auto loan?
Absolutely. We’ll walk you through extended coverage, maintenance plans, GAP, and more.
When should I start financing?
Start once you’ve found vehicles you like—your pre-approval will reflect realistic numbers for your situation.
Can I get approved after a recent bankruptcy or with no credit?
Case-by-case, yes. We’ll review available programs and lenders; a down payment or co-signer can improve the odds.
What documents do I need to bring?
Driver’s license, proof of income and address, insurance, and (if self-employed) recent bank statements/tax returns.
Can I roll negative equity into my next loan?
Often yes, depending on lender approval and loan-to-value. We’ll show side-by-side scenarios.
Let Our Finance Specialists Guide You
No matter your financial situation, our financial specialists will:
- Explain every term, fee, and optional add-on
- Help you compare payments and total cost of ownership
- Work to get you qualified—even in challenging credit situations
- Assist with extended service, warranties, and protection plans
- Remain available for questions or future refinancing needs
Visit Us or Reach Out
Whether you're in Lake Wales, Winter Haven, Sebring, Haines City, or Polk County we’re ready to help. Visit us in person or start the process online. We can deliver where needed, offer at-home test drives, and make the process smooth.
Contact Us Get Directions Get Pre-ApprovedDisclosures
Payments & APR: All payments, rates, and terms are subject to lender approval, credit qualification, vehicle selection, down payment, and applicable taxes/fees. Not all applicants will qualify for the lowest rates or zero down. See dealer for details.
Programs & Offers: Program availability may vary by lender and vehicle. Mileage limits and lease-end charges apply to leases.