Used Car Financing Tips For Drivers In Charlotte, NC


How To Finance A Used Car

Hendrick Honda Charlotte understands that when it comes to purchasing a car the process can seem daunting and overwhelming. That is why our finance professionals strive to ensure that you have all the information that you need to purchase a vehicle well within your means.

You heard that right. Instead of stuffing your vehicle with unnecessary features and adding excessive warranties, we instead work with you to get you excellent rates and to find the exact vehicle that fits within your budget. If you don’t believe us, we encourage you to visit our dealership in Charlotte, NC, today and experience and explore all that we have to offer.

If you are in the market for a particular vehicle, say a used car, and you would like financing help, then we have you covered.

Understanding the Financing Process

Before you step foot in our dealership, we highly recommend that you

  • Know your credit score before you apply
  • Research lenders
  • Compare different financing offers
  • Apply for a loan that fits into your budget

You need to begin by researching your credit score. This allows you to understand how much interest you will face when given a loan. Higher interest rates come with low credit scores, and low interest rates come with high credit scores. Your credit score is going to fall within a range of 300 to 850.

Your next step will be to secure a loan through either our finance department or a third party, like large national banks, credit unions, community banks, or finance companies. Once you have a loan amount that fits comfortably within your budget, you can then begin the search for an affordable vehicle. Be sure to not purchase a used vehicle that is beyond your budget, this includes monthly payments, gas, maintenance, repairs, insurance, etc.

Finance Your Vehicle at Hendrick Honda Charlotte

Once our finance associates give you the amount that you can borrow along with an interest rate, you are more than welcome to peruse our inventory of used vehicles. Regardless of what you need, you are certain to find it here. Get the process started today by applying for financing online. It’s that easy.

Hendrick Honda

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Hendrick Vehicle Disclaimer:

$799.00 Dealer Administrative Fee included in advertised price.

All prices exclude all taxes, tag, title, registration fees and government fees. Out of state buyers are responsible for all taxes and government fees and title/registration fees in the state where the vehicle will be registered. All prices include all manufacturer to dealer incentives, which the dealer retains unless otherwise specifically provided. Dealer not responsible for errors and omissions; all offers subject to change without notice; please confirm listings with dealer.

Additional Disclaimers:

*Available on approved credit through Honda Financial Services in select states only. 0.99% APR available on select new and unregistered 2026 Honda models through 07/06/26, for well-qualified buyers. Not all buyers will qualify. Higher financing rates apply for buyers with lower credit ratings. Actual down payment may vary. Dealer participation may affect actual payment. Dealer sets actual prices. See dealer for details.

Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between May 1, 2026 and June 1, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 90 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 72 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by June 1, 2026. See dealer for complete down payment and interest rate options and details.

*$219/mo for 36 months. 10k miles/year. $3,899 due at signing. Offer excludes accessories and premium paint color. Closed-end lease for 2026 Civic Sedan 2WD LX Continuously Variable Transmission available through 7/6/2026, to approved lessees by Honda Financial Services. MSRP $25,890.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $22,013.74. Total monthly payments $7,884.00. Option to purchase at lease end $16,828.50. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

*$259/mo for 36 mos. $3,999 due at signing. 10k miles a year. Includes down payment, no security deposit required; excludes tax, title, license and dealer fees. For well-qualified customers.Offer excludes accessories and premium paint color. Closed-end lease for 2026 Civic Sedan 2WD Sport Hybrid Continuously Variable Transmission available through 7/6/2026, to approved lessees by Honda Financial Services. MSRP $30,590.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $26,921.19. Total monthly payments $9,324.00. Option to purchase at lease end $21,107.10. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

"*$269/mo for 36 mos. $10k a year. $3,999 down. Includes down payment, no security deposit required; excludes tax, title, license and dealer fees. For well-qualified customers. Available only for residents of AK, AL, AR, DC, GA, ID, KS, LA, MD, MO, MS, MT, NC, OK, OR, SC, TN, TX, VA, WA, WV, WY. Offer excludes accessories and premium paint color. Closed-end lease for 2026 Accord 1.5T LX available through 7/6/2026, to approved lessees by Honda Financial Services in select states only. MSRP $29,590.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $25,504.05. Total monthly payments $9,684.00. Option to purchase at lease end $18,345.80. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

*$319/mo for 36 mos. 10k miles a year. $3,999 due at signing. Includes down payment, no security deposit required; excludes tax, title, license and dealer fees. For well-qualified customers. Offer excludes accessories and premium paint color. Closed-end lease for 2026 Accord Hybrid Sport available through 7/6/2026, to approved lessees by Honda Financial Services. MSRP $34,990.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $30,329.80. Total monthly payments $11,484.00. Option to purchase at lease end $22,743.50. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

* $249/mo for 36 mos. 10k miles a year. $4,499 due at signing. Includes down payment, no security deposit required; excludes tax, title, license and dealer fees. For well-qualified customers. Offer excludes accessories and premium paint color. Closed-end lease for 2026 HR-V AWD LX Continuously Variable Transmission available through 7/6/2026, to approved lessees by Honda Financial Services. MSRP $29,450.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $25,308.21. Total monthly payments $8,964.00. Option to purchase at lease end $19,437.00. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

*Available only for residents of AK, AL, AR, DC, GA, ID, IL, KS, LA, MD, MO, MS, MT, NC, NM, OK, OR, SC, TN, TX, VA, WA, WV, WY. Available on approved credit through Honda Financial Services in select states only. 2.49% APR for up to 36 months on select new and unregistered 2026 Honda CR-V models through 7/6/2026, for well-qualified buyers. Excludes Hybrid models. Not all buyers will qualify. Higher financing rates apply for buyers with lower credit ratings. Actual down payment may vary. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details. **$299/mo for 36 months. 10k miles a year. Includes down payment, no security deposit required; excludes tax, title, license and dealer fees. For well-qualified customers. Available only for residents of AK, AL, AR, DC, GA, ID, KS, LA, MD, MO, MS, MT, NC, OK, OR, SC, TN, TX, VA, WA, WV, WY. Offer excludes accessories and premium paint color. Closed-end lease for 2026 CR-V AWD LX Continuously Variable Transmission available through 7/6/2026, to approved lessees by Honda Financial Services in select states only. MSRP $33,870.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $29,044.50. Total monthly payments $10,764.00. Option to purchase at lease end $21,676.80. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

*Available on approved credit through Honda Financial Services in select states only. 2.49% APR for up to 36 months on select new and unregistered 2026 Honda CR-V Hybrid models through 7/6/2026, for well-qualified buyers. Excludes Gas models. Not all buyers will qualify. Higher financing rates apply for buyers with lower credit ratings. Actual down payment may vary. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details. **$329/mo for 36 months. 10k miles a year. Offer excludes accessories and premium paint color. Closed-end lease for 2026 CR-V AWD Sport Hybrid Continuously Variable Transmission available through 7/6/2026, to approved lessees by Honda Financial Services in select states only. MSRP $38,580.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $33,318.90. Total monthly payments $11,844.00. Option to purchase at lease end $26,234.40. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

*Available only for residents of AK, AL, AR, DC, GA, ID, IL, KS, LA, MD, MO, MS, MT, NC, NM, OK, OR, SC, TN, TX, VA, WA, WV, WY. Available on approved credit through Honda Financial Services in select states only. 3.49% APR for up to 36 months on select new and unregistered 2026 Honda Passport models through 7/6/2026, for well-qualified buyers. Not all buyers will qualify. Higher financing rates apply for buyers with lower credit ratings. Actual down payment may vary. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details. **$449/mo. for 36 months. 10k miles per year. $5,399 due at signing, no security deposit required; excludes tax, title, license and dealer fees. Offer excludes accessories and premium paint color. For well-qualified customers. Closed-end lease for 2026 Passport AWD RTL available through 7/6/2026, to approved lessees by Honda Financial Services in select states only. MSRP $46,445.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $40,199.74. Total monthly payments $16,164.00. Option to purchase at lease end $29,724.80. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

*Available on approved credit through Honda Financial Services in select states only. 3.49% APR for up to 48 months on select new and unregistered 2026 Honda Odyssey models through 7/6/2026, for well-qualified buyers. Not all buyers will qualify. Higher financing rates apply for buyers with lower credit ratings. Actual down payment may vary. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.**$439/mo. 36 mos. 10k miles/year. Offer excludes accessories and premium paint color. Closed-end lease for 2026 Odyssey EX-L available through 7/6/2026, to approved lessees by Honda Financial Services. MSRP $44,290.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $39,462.68. Total monthly payments $15,804.00. Option to purchase at lease end $27,902.70. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

*Available on approved credit through Honda Financial Services, 2.99% APR for up to 60 months on select new and unregistered 2026 Honda Ridgeline models through 7/6/2026, for well-qualified buyers. Not all buyers will qualify. Higher financing rates apply for buyers with lower credit ratings. Actual down payment may vary. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.**$419/mo. 36 mos. 10k miles/year. Offer excludes accessories and premium paint color. Closed-end lease for 2026 Ridgeline AWD RTL available through 7/6/2026, to approved lessees by Honda Financial Services. MSRP $45,090.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $39,994.05. Total monthly payments $15,084.00. Option to purchase at lease end $28,406.70. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

*Available on approved credit through Honda Financial Services, 0.99% APR for up to 60 months on select new and unregistered 2026 Honda Prologue models through 7/6/2026, for well-qualified buyers. Not all buyers will qualify. Higher financing rates apply for buyers with lower credit ratings. Actual down payment may vary. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

*Available on approved credit through Honda Financial Services in select states only. 3.49% APR for up to 36 months on select new and unregistered 2026 Honda Pilot models through 7/6/2026, for well-qualified buyers. Not all buyers will qualify. Higher financing rates apply for buyers with lower credit ratings. Actual down payment may vary. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.**$439/mo. 36mos. 10k/year. Includes down payment, no security deposit required; excludes tax, title, license and dealer fees. For well-qualified customers. Offer excludes accessories and premium paint color. Closed-end lease for 2026 Pilot 2WD EX-L 10 Speed Automatic available through 7/6/2026, to approved lessees by Honda Financial Services in select states only. MSRP $46,190.00 (includes destination; excludes tax, title, license, registration, options, insurance). Actual net capitalized cost $40,143.94. Total monthly payments $15,804.00. Option to purchase at lease end $30,023.50. Lessee responsible for maintenance, excessive wear/tear and up to 20¢/mi. over 10,000 miles/year. Dealer participation may affect actual payment. Dealer sets actual prices. See participating dealers for details.

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8901 South Blvd, Charlotte, NC, 28273
Hendrick Honda 35.116400, -80.881890.