How do I get approved for a car loan?
Getting approved for a car loan begins with online pre-qualification that does not impact your credit score. Lenders then review documents and credit details to provide final offers. Approval allows you to shop confidently within your budget.
Quick Summary
Pre-qualify online, submit documents, and receive loan offers.
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Answered by Chadwick Calhoun
Last updated 12/15/2025, 11:30:56 AM
Start by getting pre-qualified for a car loan at Grote Automotive's instantly online, without affecting your credit score. This pre-qualification is an estimate to help you begin the process, and our auto financing team may be able to secure a higher approval when you visit our dealership.
For final approval, we may require documents such as pay stubs, a driver's license, and a utility bill. Don't worry if you are missing something—our team will work with you to gather the necessary paperwork.
We verify your information, review your credit history, and match you with the best lenders for your situation. You’ll receive loan offers that include details such as interest rates, loan terms, down payment, and monthly payments.
Once approved, we can help you shop for vehicles that fit your financing. Our large inventory of used cars, trucks, and SUVs in the Schenectady area ensures you find the right vehicle without any hassle.
General Sales Manager, Grote Automotive
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