When you choose to finance your vehicle with Whitten Brothers we make the process faster and easier for you. Whitten Brothers uses its long-standing relationships with financial institutions to make the auto buying and financing experience more convenient by finding the best rates you qualify for across financial institutions, helping you avoid doing this time consuming comparison process yourself. 


It’s Fast – Complete a short application & let us go to work for you.

It’s Easy – We will explore options & present you with an easy way to buy.

It’s Intelligent – We will leverage our banking relationships to arrange the best buying scenario for you.


So how does financing your vehicle with Whitten Brothers work? We’ve listed some of the frequently asked questions about vehicle financing we receive here at Whitten Brothers. Below are the answers for these commonly asked auto financing questions to help you better understand how vehicle financing with Whitten Brothers can work for you.

Q: Are Whitten Brothers auto financing rates competitive?

A: Yes. We are a long-standing institution with long-standing lending relationships with local and national financial institutions including banks and credit unions. We will find you the best financing options you’re eligible for with competitive, aggressive rates & flexible terms.

Q: Do I need to put money down on the purchase of my vehicle at Whitten Brothers?

A: While money down is often beneficial when arranging auto financing, it is not always required. Each financing scenario is unique & everyone’s goals are different. 

Q: Will the price of my vehicle be less if I pay cash? 

A: The price of your vehicle will remain unchanged by your method of payment; however, by paying cash you forgo the Whitten Finance Coupon.  

Q: Do I save any money financing with Whitten? What is the Finance Coupon?

A: Yes, if you allow us to arrange your financing, you will save money on top of streamlining the buying process with a finance coupon. 

Q: What is the Finance Coupon?

A: Banks often offer incentive for dealers to arrange loans with them. We have decided to pass this incentive along to you in the form of a Finance Coupon worth $1000.  This is yet another way we’ve chosen to offer vehicles at the most competitive prices in the market. .

Q: What if I am Pre-Approved with a bank or lender already?

A: Great! In the scenario of an existing auto loan pre-approval you’ve already done a lot of the legwork for us. We work with most local banks & credit unions giving us the ability to handle the vehicle paperwork & originate your auto loan according to your vehicle loan pre-approval, to save you additional time & energy.  Also, upon request, we will analyze your loan & research potential opportunities to save even more.

Q: What if I plan to go through a Credit Union for auto financing?

A: We can arrange loans directly through most Credit Unions using the Credit Union Direct Lending system. This system allows us to submit your loan, verify your approval, & initiate the loan.  All you need to do is submit a credit application & we handle the rest, saving you significant time & energy.  Your terms of financing will be identical as if you’d done this work yourself & worked directly through your Credit Union branch.  Upon request, we will analyze your approval & attempt to find you better financing options.

Q: What will my auto loan rate be? What will my monthly payments be? 

A: The interest rate on your auto loan will depend on various factors associated with your credit history & the parameters of the auto loan.  We will work to arrange the best possible scenario for you depending on your specific goal. Also, by using the payment calculator tool on our website you can get an idea of your monthly payments and it does not create a hard inquiry on your credit report. 

What if I pay my Whitten arranged auto loan off early, is there a prepayment penalty?

A: We only arrange simple interest loans meaning there will be no prepayment penalty.

Q: Can I finance a vehicle if I have a trade-in?  What if I owe money on it?

A: Yes! We will gladly purchase any vehicle & work the details of this purchase into the loan with no actions needed by you. It is not an issue if you owe money on your trade as most people do.  We will verify your payoff, evaluate your vehicle, arrange the financing, & present you with financing that includes your vehicle trade-in.

Q: Does applying for financing online place a hard inquiry on my credit? 

A: Yes, there will only be a hard inquiry once you apply for financing and credit reports are pulled. However, you can calculate your monthly payments with our online payment calculator tool. Our online payment calculator does not create a hard inquiry on your credit, while submitting your application for financing will submit a hard inquiry. 

Q: I’m worried about multiple hard inquiries on my credit, how do I avoid this? 

A: While it may seem worrisome to be pulling credit from multiple financial institutions, in reality, consumer reporting agencies can see when you’re shopping around. As long as you get a loan within 30 days of your first credit pull, there will not be multiple hard inquiries on your credit. 

Q: How do I apply for vehicle financing with Whitten Brothers? 

A: You can apply for vehicle financing easily online

Q: What will happen after I submit my application for financing?

A: First, we will reach out to let you know that your application has been received & verify any additional information needed. We will then have our Whitten Brothers Finance Team go to work. They will analyze your credit, along with the details of your purchase.  After this, they will look at various scenarios & arrange the best payment scenario for you.

Q: Can you use a manufacturer-offered special interest rate and customer rebates together?

A: In most cases, you can use either the special interest rate offer or the customer rebate offer, but you may not use both financial offers together.  Either way, these offers provide further savings on your vehicle financing, and we can work with you to determine which offer will benefit you the most. 

Q: Can I protect my auto investment?

A: Yes. We offer several products to help protect your investment. These can often be included in your auto loan & the peace of mind they offer is enjoyed by most financing customers. Learn more about products to protect your auto investment

Q: Once I set up financing with Whitten, how do I make my vehicle payment? 

A: Once you’ve set-up your financing through Whitten Brothers, you work with the financial institution directly. We work with the financial and lending institutions to give you the best rate but once the financing is set-up, we get out of the way and you will work directly with the financing institution to make your ongoing auto payments. 

Q: How else does Whitten Brothers make the financing process convenient? Are there any other benefits of financing with Whitten Brothers? 

A: Yes, there are more benefits to financing with Whitten Brothers. Whitten Brothers is registered online with the Department of Motor Vehicles in all 50 states, which allows you to do all the paperwork at the dealership. If you’re coming from out of state, we give you a temporary 30 day vehicle tag and your state’s DMV will mail you the official plates. 

It’s as easy as that–all your DMV paperwork and financing is set-up at Whitten Brothers and you are all set to enjoy your new vehicle, no matter where the road takes you. 

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Whitten Brothers Chrysler Dodge Jeep Ram of Richmond 37.5061318, -77.594597.