Finance Center
See A CAzillion. Find the One.
City Auto Chattanooga helps drivers finance used cars, trucks, and SUVs from its store at 2263 Encompass Dr. The online finance application gets things started. The Chattanooga finance team then reviews it with City Auto’s lenders, from top local institutions to some of the nation’s largest banks. The team works with just about any credit situation. Any vehicle in the City Auto group can be financed here too, since transfers to Chattanooga are free. Reach the store at 423.551.3600 Monday through Friday, 9 AM to 7 PM, and Saturday, 9 AM to 6 PM.
You can handle most of your car financing before you set foot on Encompass Dr. Browse inventory, estimate a payment with the payment calculator, check your trade’s value online, and send the finance application. By the time you arrive, you’ll have a budget in mind, and the finance team will already have your information.
Send the online finance application on your schedule.
The Chattanooga finance team shops your application with its lenders and explains what’s available.
Pick your vehicle, look over the terms, and sign at the dealership.
Credit problems in your past don’t have to rule out financing. A City Auto credit specialist can review your situation and explain what may strengthen your application, such as a larger down payment or a trade-in. Checking your free credit report at AnnualCreditReport.com before you apply can help you catch errors early.
The Encompass Dr lot is just the starting point. Any vehicle from City Auto’s other stores can be transferred to Chattanooga for free and financed here.
Trade-in value goes toward your purchase, which can reduce how much you borrow. Start with an online estimate, and the Chattanooga team will confirm your offer at the store.
Chattanooga applications are reviewed with lenders City Auto has worked with for years.
Fill out the online finance application, then call 423.551.3600 or visit 2263 Encompass Dr, Chattanooga, TN 37421 to review your options.
No. Financing comes from outside lenders, including top local lenders and some of the country’s largest banks. Whatever your credit history, the online application is the place to start.
Yes. Choose any vehicle in City Auto’s online inventory, and it can be transferred to Chattanooga for free and financed there.
Usually, yes. Spreading the loan over more months lowers each payment, but you’ll typically pay more interest over the life of the loan.
A down payment reduces the amount you finance, which lowers your monthly payment and the total interest you pay. It can also strengthen your application with lenders.
You can request free credit reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com. Reviewing them first lets you spot errors and know where you stand.
Find the One, Then Finance It in Chattanooga
Pick your vehicle from any City Auto store and finance it on Encompass Dr.