finance faq

Frequently Asked Questions - Finance

Can I Still Get a car loan if I have a poor credit score?

Yes you can. Our dealership works closely with a number of different lenders that provide financing on new and used vehicles for customers with a wide set of credit scores. Whether you have bad credit or are just now building your credit, our finance department can help you work with you to find an option for a new or used vehicle that meets your budget. Give us a call for more information about auto financing and approvals or complete our online credit application here on our website.

I had a repossession or bankruptcy in the past, am I still able to get a new vehicle?

Having a bankruptcy or losing your vehicle to a repossession in the past will not disqualify you from getting a new vehicle now. Our dealership works closely with a variety of different auto financing sources that will present you with different options for financing on a new car. No matter your situation we will do all that we can to get you a new vehicle at a price that is affordable.

I am upside down on my current vehicle, can i still trade it in?

If you currently owe more than your vehicle is worth, that does not mean you have to wait till it's paid off to trade it in for a newer vehicle. Our friendly team can look at your current vehicle with you and present options to work with your current loan to get you a new vehicle.

Do used cars depreciate?

Used cars depreciate a lot more gradually than new cars. Generally speaking, cars depreciate at a rate of 60% of their initial value five years after purchase and the bulk of this depreciation happens by the end of the first year. However, it's important to remember that different vehicles will lose value at varying rates. If you're interested in the resale value down the road, doing a bit of research on the depreciation curve of the vehicle you're interested in is a great place to start.


All Vehicles Prices do not include any government fees and taxes, any finance charge, any dealer document processing charge, any electronic filing fee and any emissions testing charge. Dealership is not responsible for honoring incorrect pricing that may be fed to the site by a 3rd party or another data source. Dealer is not responsible for typographical errors. Accessories and color may vary. Quoted price subject to change without notice to correct errors or omissions."

The Manufacturer's Suggested Retail Price excludes tax, title, license, dealer fees and optional equipment. Dealer sets final price.

Sales Hours

Monday 9:00AM - 7:00PM
Tuesday 9:00AM - 7:00PM
Wednesday 9:00AM - 7:00PM
Thursday 9:00AM - 7:00PM
Friday 9:00AM - 7:00PM
Saturday 9:00AM - 7:00PM
Sunday 9:00AM - 7:00PM

Alfred Matthews GMC

3807 Mchenry Ave, Modesto, CA 95356

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