3 Advantages of Used Car Financing Over Paying Cash

by Dealership
9/15/2025 - Spearfish, SD

man paying for a car in cash

The used car financing process doesn’t have to be overwhelming. At Roughlock Auto, we’re dedicated to helping drivers find the right vehicle within their budget, and we provide the tools and resources to help every step of the way. Learn about the benefits of financing a vehicle over purchasing in cash, and find your dream car at our dealership today.

You Can Increase Your Credit Score

If you are able to find the right financing terms to meet your needs, it can be excellent for your credit. By regularly making your monthly payments, you boost your credit score over time, which doesn’t happen when you purchase a vehicle in cash. This sets up you up for favorable term options when you go to purchase your next vehicle.

You Don’t Have to Wait

When you buy a car in cash, that means you’re going to need all of the money in hand on the day of purchase. Depending on the type of vehicle you’re interested in, that can take quite a long time to put together, which means you’ll have to wait to take home the car you love. Buying in cash can also limit the number of vehicles available within your budget.

You Can Take Advantage of Dealer Incentives

Another benefit of financing is that you can take advantage of the incentives and specials offered through the dealership. Oftentimes, you’ll be able to save on the down payment, interest, or in-between costs, which isn’t an option with cash purchases. Always make sure to check out available sales before you buy.

Begin the Used Vehicle Financing Journey in Spearfish, South Dakota

These are just a few of the reasons to consider financing your next vehicle. Roughlock Auto makes it easy. Visit our dealership to find your dream car at the right price today!

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