Get Approved for a New or Used Car Loan at Farris Motor Company TN

Yes. You can shop new and used inventory from Farris Jeep and Farris Ford in Morristown and Farris Motor Company in Jefferson City in one place, and our finance team can help you with a vehicle from any of those stores.

There's no single right amount. A larger down payment lowers the amount you finance, can reduce your monthly payment and may help your approval. The right amount depends on the vehicle, the lender and your budget, and our team can show you how different down payments change your payment.

Auto loans are commonly offered in terms from 36 to 72 months, and some lenders offer longer terms. A shorter term usually means less interest over the life of the loan, while a longer term lowers the monthly payment. Available terms depend on the lender, the vehicle's age and mileage and your credit.

Yes. If you've been pre-approved elsewhere, bring the details with you. Our finance team can review it alongside the options available through the dealership so you can choose the one that works best for you.

No. Factory APR, finance cash and lease programs are set by Ford and Stellantis for specific models and terms, require credit approval and change regularly. Check our current incentives for the latest offers.

Sometimes. Ford and Stellantis periodically offer 0% or reduced APR financing on select new models for qualified buyers, usually on specific terms. These offers aren't available on every model or every month. Our finance team at Farris Ford in Morristown and our Jeep and Ram stores in Morristown and Jefferson City can tell you what's available on the vehicle you want and whether a low APR or a cash rebate saves you more.

Yes. We'll get the payoff amount from your lender and apply your trade-in value toward it. If your vehicle is worth more than you owe, the difference can go toward your down payment. If you owe more than it's worth, that balance may be added to your new loan, subject to lender approval. Start with our trade-in value tool to see where you stand.

Yes. Trucks and 4x4s are a big part of what East Tennessee drivers buy, from half-ton pickups for weekend trips to Cherokee Lake to heavy-duty trucks for farm and job-site work. We finance used trucks, Jeep 4x4s and SUVs across our pre-owned inventory. Browse used trucks or used SUVs at all three Farris locations.

Yes. Students at Walters State Community College in Morristown and Carson-Newman University in Jefferson City often have a limited credit history, and that doesn't have to stop you. Steady income from a job, a down payment or a co-buyer can help your application. Ask our team whether any current manufacturer offers for recent graduates or students apply to the vehicle you're considering.

Sí. En Farris Motor Company contamos con personal que habla español y puede explicarle sus opciones de financiamiento, responder sus preguntas y acompañarle durante todo el proceso en Morristown y Jefferson City. Visite nuestra página en español.

Fill out the secure finance application at the top of this page. It takes less than five minutes and asks for your contact information, current address and employment details. Once it's submitted, our finance team reviews your application and reaches out about next steps, so you can arrive at our Morristown or Jefferson City dealership already knowing where you stand.

We work with buyers across the whole credit spectrum, including those with past credit challenges and those with little or no credit history. Our finance team works with lenders to look for an option that fits your situation and budget. Approval and terms depend on your credit and the lender, and a down payment, proof of steady income or a co-buyer can help strengthen your application.

Submitting a full credit application allows lenders to review your credit, which may result in a credit inquiry. If you'd like to see where you stand first, our free credit score estimator gives you your credit score range without affecting your credit.

To finalize your financing at Farris in Morristown or Jefferson City, plan to bring a valid driver's license, proof of income such as recent pay stubs, proof of residence such as a recent utility bill, and proof of auto insurance. If you're trading in a vehicle, bring its title or registration and your loan payoff information. Your lender may request additional documents depending on your application.