Sales: Open Today! 8:30 AM - 7:00 PM
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Sales: Open Today! 8:30 AM - 7:00 PM
Service/Parts: Open Today! 7:30 AM - 5:30 PM
1834 US-78, Oxford, AL 36203
Sales: (256) 831-8882 | Service: (256) 831-8882 | Parts: (256) 831-8882

Credit FAQ's

You don't need to be a financial expert to secure an impressive financial package, just have an expert on your side! Our team here at Benton Nissan of Oxford is here to bring their expertise to your specific credit situation. We'll guide you through every step of the process and explain everything in a simple, easy to understand manner so that you're able to make a confident decision based on your available choices. Get your car loan approval process started now by filling out our secure online credit application and while you wait to hear from us, read about some of the most frequently asked credit questions or give our finance department a call to clarify an issue. We look forward to assisting you!

What is a Credit Score?

Credit scores represent the likelihood that a person will repay their loans and is typically determined by the person's borrowing history and how likely they are to make payments on time. The higher your credit score, the more likely you'll be able to secure a loan with low interest. Credit is essential for borrowing money and a person's score can fluctuate dramatically throughout their lifetime.

Can I purchase a Nissan with Bad Credit?

Your credit score can change frequently over the course of your lifetime, and we understand that here at Benton Nissan of Oxford. From a financially difficult time to just trying to establish credit, our team is here to go over your specific credit score and find some viable options for you! Together we'll find the car loan solution for you and provide some helpful tips to get your credit back on track!

What Are Typical Credit Scores?

Credit scores typically range from 300 to 850; the higher the score, the better the person's credit, or more likely to secure a quality loan with a low interest rate. A good credit score is usually anything about 700 and can be maintained by making payments on time and not stretching yourself financially. An average credit score is around 680 with anything less than 620 considered as "sub-prime" credit. That means it isn't impossible to secure a loan, but it may come at a higher interest rate. Talk to our knowledgable team members about the details and let us help you determine your credit score and tailor some comprehensive financial packages that suit your budget! We look forward to hearing from you soon!

Dealer Information
Benton Nissan 1834 US-78 Oxford, AL 36203 Get Directions
Sunday:
CLOSED
Monday:
8:30 AM - 7:00 PM
Tuesday:
8:30 AM - 7:00 PM
Wednesday:
8:30 AM - 7:00 PM
Thursday:
8:30 AM - 7:00 PM
Friday:
8:30 AM - 7:00 PM
Saturday:
8:30 AM - 7:00 PM
Sunday:
CLOSED
Monday:
7:30 AM - 5:30 PM
Tuesday:
7:30 AM - 5:30 PM
Wednesday:
7:30 AM - 5:30 PM
Thursday:
7:30 AM - 5:30 PM
Friday:
7:30 AM - 5:30 PM
Saturday:
8:00 AM - 1:00 PM
Sunday:
CLOSED
Monday:
7:30 AM - 5:30 PM
Tuesday:
7:30 AM - 5:30 PM
Wednesday:
7:30 AM - 5:30 PM
Thursday:
7:30 AM - 5:30 PM
Friday:
7:30 AM - 5:30 PM
Saturday:
8:00 AM - 1:00 PM
Sunday:
CLOSED
Monday:
9:00 AM - 5:00 PM
Tuesday:
9:00 AM - 5:00 PM
Wednesday:
9:00 AM - 5:00 PM
Thursday:
9:00 AM - 5:00 PM
Friday:
9:00 AM - 5:00 PM
Saturday:
CLOSED
Sunday:
CLOSED
Monday:
8:00 AM - 5:00 PM
Tuesday:
8:00 AM - 5:00 PM
Wednesday:
8:00 AM - 5:00 PM
Thursday:
8:00 AM - 5:00 PM
Friday:
8:00 AM - 5:00 PM
Saturday:
8:00 AM - 1:00 PM
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$500 Trade In Bonus
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Once you enter your information, your coupon will be emailed to you. If you have any questions, you can reach us at 256-831-8882.

With approved credit. Not all buyers will qualify. Offers cannot be combined. See dealer for complete details.

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