Navigating Your Financing Options

Navigating Your Financing Options!
When it comes to financing your next outdoor adventure vehicle, a lot of questions can start swirling in your mind.

  1. “What’s my credit score?”
  2. “What’s the government up to?”
  3. “What can I afford?”
  4. “What bank am I going to use?”
  5. “How am I coming up with a down payment?”

We hear you! The financing process can indeed feel overwhelming. But here at Outdoor Motor Sports and Trailer Sales, we’ve made it our mission to simplify every step and turn what could be a stressful experience into a breeze.

Our In-House Finance Team: Your Path to Simple and Easy Financing

The first thing you should know is that our in-house Finance Team is here to handle all the heavy lifting for you. From finding the best interest rates to navigating the nuances of lender requirements, we’re committed to making the process as seamless as possible.

The Credit Score Factor: It’s Just a Number

Just like anything else, your credit score will influence the interest rate you’re offered. But don’t worry—we’ve got a wide range of options to suit different credit profiles. And remember, you’re not tied to your interest rate forever. Even if the terms aren’t ideal right now, refinancing in the future is always an option.

"From local banks to direct manufacturer lenders, we have prime and sub-prime options for most people, whether it’s for personal use or business!" - Kyle Smith, OMS Business Manager

Three Key Factors That Determine Your Financing Options

There are three main factors that will shape your financing options:

  1. Credit Score: While important, it’s not the only determinant.
  2. Income to Debt Ratio: A low ratio can sometimes outweigh a less-than-perfect credit score.
  3. Down Payment: The amount you can put down will also play a crucial role in the terms you’re offered.

To give you an idea, we’ve secured financing for customers with a 580-credit score because of their low income-to-debt ratio, while some with a 700-credit score were denied because they simply couldn’t afford it. But rest assured, we’re here to explore every possible avenue to get you the best deal.

Convenient and Flexible Payment Options

We understand that everyone’s financial situation is different, which is why we offer multiple ways to handle your down payment. Whether you prefer to pay with cash, a major credit card, a personal check, a cashier’s check, a wire transfer, or even Bitcoin—we’ve got you covered!

Plus, did you know you can even finance online? Our easy-to-use finance app allows you to apply and get pre-approved from the comfort of your home.

Ready to Get Started?

At Outdoor Motor Sports and Trailer Sales, our goal is to make your financing journey as smooth as possible, so you can focus on the excitement of getting your new gear out on the road (or off it!). Whether you’re eyeing a new ATV, trailer, or any other outdoor motor sports equipment, we’re here to help you every step of the way.

Start your application today, and let’s get you geared up for your next adventure!

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Outdoor Motor Sports

Powersports / Trailers / Tractors

If you're located nearby in Schenectady or Albany, New York, we hope you'll visit us here at Outdoor Motor Sports & Trailer Sales for all of your tractor, trailer, or powersports needs! To learn more about our many services and products, feel free to give us a call at (518) 842-8812 or stop by our location here in Amsterdam, New York.

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