We understand that purchasing a vehicle is a major milestone, and our auto finance team is dedicated to providing a professional, transparent, and hassle-free atmosphere. When you shop with us, you can rest assured you are getting our best financing options upfront. With a rotating inventory of hundreds of high-quality pre-owned cars, trucks, and SUVs, we are here to ensure you drive home completely confident in your purchase and your payment plan.
Securing a car loan doesn’t have to be nerve-wracking. At Dave Smith CDA, we have your back regardless of your current financial situation. Our experienced finance managers partner with you to understand your background, work within your ideal budget, and help guide you down the wisest path for your family. We leverage our deep relationships with local North Idaho credit unions and national banks to tailor monthly payments that fit your lifestyle seamlessly.
Valuing your trade has never been simpler. Because pre-owned vehicles are holding incredible market value, we are eager to make you a top-dollar cash offer for your current ride. Using that equity as a down payment is the smartest way to lower your monthly payments and interest charges on your next vehicle. To evaluate your car’s worth today, use our fast, online Kelley Blue Book® trade-in tool to receive an upfront appraisal in minutes.
To finalize your auto loan at our Coeur d’Alene dealership, you will typically need to bring a valid driver’s license, proof of insurance, proof of income (such as recent pay stubs), and proof of residence (like a recent utility bill). If you are trading in a vehicle, be sure to bring your current vehicle’s title or payoff information as well.
Yes, zero-down auto loans are available for qualified buyers! However, putting money down—either through cash or by applying the equity from a trade-in—is always recommended, as it lowers your monthly payments, reduces your interest charges, and helps you build equity in your new vehicle faster.
Trading in your current vehicle is one of the best ways to improve your auto loan terms. The cash value of your trade-in acts directly as a down payment, which lowers the total amount you need to finance. This can help you secure a lower interest rate, reduce your monthly payment, and even cover your taxes and fees.
Before you Apply Online review the Terms and conditions listed below.
Thank you for applying for credit through Dave Smith Frontier Sales. You understand that by requesting to finance and applying for credit over the internet, you are ELECTRONICALLY authorizing Dave Smith Frontier Sales to access personal, non-public information that can be used to determine your creditworthiness.
Furthermore, by authorizing this application, you understand what Dave Smith Frontier Sales’s Privacy Policy is regarding your personal, non-public information, and that information can be sent to both affiliated and non-affiliated third-parties for purposes of completing your loan and other services as deemed necessary by Dave Smith Frontier Sales. Finally, Dave Smith Frontier Sales respects your privacy and upholds the most stringent guidelines and safeguards for protecting your information. By clicking “I Agree” below, I acknowledge I have read and fully understand the terms and agreements as stated and accept them completely. I certify that the following information is complete and accurate. I authorize investigation of my credit and employment history, including obtaining credit reports. I authorize release of information about my credit experience with various lenders.
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