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Auto Financing in Paris, KY

Everyone deserves to have the transportation they need, and that’s why we offer a wide variety of financing options for our customers. When you shop for your next vehicle at Dan Cummins, you can rest assured that you’re getting the best deal and the optimal financial support for your situation. Here’s everything you need to know about financing with us.

Why Dan Cummins CDJR in Paris, KY?

Whether you’re looking to buy or lease a new or used vehicle, the experts here at Dan Cummins will support you through each part of the process. If you’re in the Paris or Lexington areas, we’re your one-stop shop for all your car needs. Browse our selection of new vehicles, find the used car of your dreams, get servicing for your vehicle, or meet with our financing team to find a plan to works for you.

Our Financial Experts

One of the biggest reasons to shop for and finance your next car with Dan Cummins is our team of friendly financial experts. No matter your financial situation, our skilled finance representatives can help you find the loan or leasing options that are best for you. You can speak to them about your preferred payments, loan length, and whether leasing is the right choice for you. Our team strives to help you feel supported during every part of the process.

Should You Buy or Lease?

When it comes to getting behind the wheel of a new car, one of the biggest financial questions is whether you plan to buy or lease. You can speak with our experienced sales or finance associates to learn more about which option is right for you. When you lease a car, it’s similar to a long-term rental.

Your lease is an agreement between you and the dealership stating that you’ll pay a monthly amount to use the vehicle. Though you’re not the actual owner of the car in this situation, it does allow you to enjoy a more expensive vehicle for a lower payment. With the Dan Cummins Lease Advantage, you may find that leasing a vehicle is the right decision for you. These are some reasons you may decide to lease a car:

  • Preference for a newer or better car.
  • Yearly driving less than 15,000 miles.
  • Owning a car isn’t a priority.
  • Plan to trade your vehicle every few years.

If you’re purchasing a new car, you can pay for it in cash, but it’s more likely that you’ll choose to get an auto loan. When you get an auto loan, you’re borrowing the money for the car and paying it back in monthly installments. When you choose to get an auto loan, you often pay a percentage of interest to the lending institution.

This may mean the sooner you pay the loan off, the less you pay overall for the vehicle. One advantage to getting a loan for the car is that you have fewer restrictions as to what you can do with it. These are some reasons you may choose to get a loan for a car instead of leasing:

  • Owning the car is important to you.
  • You plan to keep the vehicle for many years.
  • Vehicle customization is a priority.
  • You want to drive more than 15,000 miles per year.

Get Pre-Approved Online

When you choose to finance your new vehicle with us, you can speed up the process by getting pre-approved prior to visiting the dealership. To do this, you can access the auto loan application on our website and fill out your information. If you want to get in and out of the dealership as quickly as possible, getting pre-approved online is a great way to speed up the process.

Flexible Financing Options

We’ve designed our flexible financing options with every buyer in mind. These are some financing choices you can take advantage of when you work with our financing team.


Our Shop-by-Payment option allows you to find the vehicles that best match your budget. You determine what you want your monthly payments to be, and our experts help you find the cars that can fit your lifestyle and your financial needs. This tool calculates all financing factors, including specials, your credit, potential fees and taxes, and discounted pricing.

Tax Deductions

The Section 179 Tax Deduction is a tax code that assists small or medium businesses. If you’re purchasing a vehicle for your business, our experts can help you learn more about this tax benefit. When taking advantage of Section 179, you can write off the cost of many business vehicle purchases.

Trading In Your Vehicle

If you’re looking to get a new or used Chrysler, Dodge, Jeep, or Ram, trading in your old vehicle can be a great way to lower the cost of getting a new car. Consider using our online trade-in value calculator to learn more about what your car might be worth. After getting the estimate for your trade-in, we’ll appraise your car by examining its condition and seeing if it’s a good fit for our used car inventory. 

After we appraise your car, you can meet with our experts to negotiate the price and accept our trade-in offer. Our experts pride themselves on offering a transparent and simple trade-in process that ensures you get a fair value for your vehicle. These are some factors that may determine the total value of your trade-in:

  • Mechanical conditions.
  • Trim level and features.
  • Current market demand.
  • Exterior paint condition.
  • Interior material condition.
  • Mileage and usage.

Finance Your Next Vehicle in Paris, KY

Whatever your financial situation, we’re here to support you. Take advantage of our flexible options and financing tools to learn more about your trade-in value and potential payments. Our finance team is always available at the dealership if you want to stop by to talk about your financing options.

Whether you’re looking for something new or used, a Dodge, Jeep, Ram, or Chrysler, or planning to lease or get a loan, we can help you find the financing options that work best for you. Here at Dan Cummins, we pride ourselves on providing the best customer service and supporting you through every step of the car buying process. For more information or to schedule a meeting with our finance department, don’t hesitate to contact one of our friendly team members today.

Dan Cummins Chrysler Dodge Jeep RAM of Paris 38.2039336, -84.2759823.