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Financing Your Vehicle

Everybody has a budget. Let the experts at West Herr find financing that fits yours.

Finding an affordable vehicle doesn’t need to be impossible. Selling more than 60,000 vehicles every year has helped West Herr establish solid relationships with our banks and lenders. Our extensive relationships with more than 37 financial institutions give you the best financing options to put you in the driver’s seat of your perfect vehicle.



Did you know 40% of people have a credit score of 660 or lower?

At West Herr, we’ll get you approved, regardless of your current credit situation.


It’s more than just a score

Yes, a credit score is important, but it’s not the only thing lenders look at when considering you for a loan. They also factor in your:

  • Total income
  • Job stability
  • Down payment amount
  • Current debt
  • And more

We’ve heard (and seen!) it all before

If you’ve heard yourself saying any of the following things, you need to come to West Herr:


“But I have
bad credit”

You’re not alone. Some estimate that 40% of Buffalo’s population has ‘poor’ credit. We are here to help. We’ll work with you to get the car of your dreams, and payments you can afford. That’s why we sell more than 60,000 vehicles at West Herr each year.

“But I filed for bankruptcy”

While getting a car loan after bankruptcy can be challenging, we have developed unique relationships with our lenders to help most people get back on their feet. We understand the bankruptcy rules better than most because we have delivered more cars to previous bankrupt customers than anyone in Western New York. Give our transparent, easy-to-understand process a try. We think you will be pleasantly surprised.

“But I have been turned down”

Thousands of Western New Yorkers are turned down for auto loans every year. Most dealers just submit your credit application and accept the results. We pride ourselves on working with you and the lender to find the right solution for you.



Your monthly car payment must be proportional to how much income you receive each month. Together, we set realistic goals to get you into something you can easily pay for.


Loan to Value

Loan to value is a ratio of the amount of money that you are borrowing in relation to the value of the car that is assigned by the lender. Your chances of getting approved are much lower when the loan exceeds the assigned value.


Length of Loan

When you buy a car, it’s considered collateral to your lender. The number of months or years a lender is willing to spread out the monthly payments is based on the vehicle’s age, make, model, mileage, and cost to repair, insure and maintain.

Leverage the size and expertise of West Herr to finance your next auto loan.



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West Herr Auto Group 42.792571, -78.811712.