Rath Auto Resources Finance

Finance Your Vehicle With Us - Rath Auto Resources

In addition to being named DealerRater's 2016 Arkansas Used Car Dealer of the Year, we've also won the 2016 Consumer Satisfaction Award. We'd like to think this is because our "for the people" philosophy extends to financing.

Our For the People Credit Approval Process guarantees that you'll be approved for a nicer, newer vehicle regardless of past credit problems. Even if you've been turned down for auto financing in the past, that changes now.

The process is simple, and you can get started right away. Fill out our online form for approval in as little as 30 seconds. Even if you're not approved automatically, one of our finance team members will be in touch to discuss your options. Either way, you'll soon have access to affordable financing rates that can help you get the reliable vehicle you need.

The Rath Auto Resources finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Fort Smith, Van Buren, and Rogers to ensure our customers get the right finance program at the most competitive rates.

We strive to work with each customer to ensure their satisfaction. We have financed customers from Fayetteville to Springdale. Whether you are right down the road or an hour away from Fort Smith you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.

Enjoy a car-buying experience designed with you in mind. Buy your next vehicle at Rath Auto Resources.

How is Your Credit?

Best, "I've never missed a payment!"

The Rath Auto Resources loan process can help you find the best interest rate for your next vehicle purchase.

Try our FREE credit application today!

Competitive Pre-Owned Vehicle Rates*

We have hundreds of pre-owned vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

OK. "I've missed a payment or two."

Due to our special arrangements with local and national lenders, we can help you get the pre-owned vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of pre-owned vehicles currently available for immediate delivery.

Not so good. "I need to rebuild my credit..."

Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our FREE credit application online.

Once the application is completed, the Rath Auto Resources finance team will put together a loan package that is tailored specifically for you.

Use our Payment Calculator feature on our website!

Find Out Your Credit Score

Get pre-approved for an auto loan and see your credit score and ranking instantly! 

  • There is no cost or obligation to you.
  • See the maximum amount you may qualify for
  • Get your automotive credit score
  • We don't require your social security number!
  • See where you rank against the rest of the U.S
  • This credit check doesn't affect your credit score!

Meet our Finance Manager, Mike Jennings. 

Mike Jennings, Finance Manager, has been with Rath Auto Resources since April 2016. Mike is a dedicated and diligent employee with educational plans for continued professional success. When not working, Mike loves time spent with his family, building projects at home, cooking, adventure travel and the great outdoors.


Finance Interview: David Rath at Rath Auto Resources

We did an interview with our finance manager, David Rath. We asked him the questions that will make your car buying process simple as well as some tips on how to build your credit, approach someone to be a cosigner and more!

What type of financing do you offer?

Indirect auto loans (when someone else - like me, get’s the loan for you)  ranging from very competitive prime rates to credit rebuilding programs and pretty much everything in between.

What happens if I have poor credit, can you still finance me?

There are a lot of factors that are involved in that such as vehicle choice, down payment, budget and things like that. But most of the time, yes!

How can I make sure I get the best interest rate with the lowest payment?

Answer: So much of that is based on where your credit is at the moment and somewhat based on how much payment you put down. There are a lot of factors that go into it, like credit score, but we will always offer you the best possible deal based on your situation.

How do I know if I need a cosigner for an auto loan?

Every situation is different. But you may need a cosigner if your income doesn't meet minimum requirements from a bank or if you are seeking an auto loan and you already have an auto loan currently.

What is your advice on approaching a co-signer to help me get my auto loan if I need one?

Every scenario is different, but your family is always the best place to start. If you are young and just getting started, your parents might be willing to help out. If you are married, your spouse is, of course, an option. While it is a commitment on their part, if you make your payments on time, it will build their credit at the same rate it builds yours.

What kind of questions will I need to answer in order to apply for financing?

Once you have found the right vehicle for you, the credit application is simple. We will fill out a standard application including  date of birth, social security number, how long you have been at your current job, how long you have been at your current address and how much money you make. Once we get deeper in the process, other questions may come up.

I am thinking about making a vehicle purchase this year, what are some things I can do now to make sure I have good credit when it comes time to purchase?

Limiting the amount of debt you have leading up to buying your car is one of the most straightforward ways to make sure you have a good score when you are ready to buy. Try to keep a balance at or below  20% of the max on your credit card(s). Pay off any outstanding collections, if you have any. Make your current payments you have on time and make sure they are up to date before your vehicle purchase .

What should I bring to Rath Auto Resources with me if I intend to purchase and finance a vehicle?

You will definitely need a valid Driver's License. It’s not always required, but bringing your most recent paycheck stub and a recent utility bill is always good. It’s not always the case, but sometimes the bank may ask for proof of income or residence.