As the quality of cars has continued to improve over time, there are many pre-owned models on dealership lots worth considering. However, some pre-owned vehicles may be over 10 years old.

So, how do you finance a car that's over 10 years old? There are ways for Mars, Wexford, and Evans City drivers to get creative, and the team at Route 228 Auto Mall is here to answer any lending questions you may have.

Financing Your Next Car

If you've looked at your budget and determined that an older car may be the best fit, then you likely want to secure an automotive loan. Every loan is reviewed thoroughly on a case-by-case basis. When it comes to financing an older vehicle, there are several potential lenders that may be able to provide you

After all, the average age for cars on the road today hovers right around 11.5 years, and that number may rise to 12 years in the near future, according to a 2016 analysis by IHS Markit. The bottom line is that cars are lasting longer, and drivers are willing to hang onto them for a decade or more. Therefore, lenders may be more likely to assist with financing on a car that's 10 years old.

Finding Lending Resources

A bank is a direct lender, so you can go in, sit down with them, and see what they may offer you. If you go this route, you'll bring a check from the bank to the dealership. However, banks will keep loans for customers with the best credit. To finance a car that's 10 years old, you'll need to have exceptional credit.

There are different scenarios to explore, however. Credit unions may have more relaxed requirements when it comes to an age on vehicles. Banks will typically not assist with a loan if a car is 10 years old or has more than 100,000 miles on the odometer, but credit unions may be a bit different. It's worth seeking out a credit union as a potential option.

Buy Here Pay Here Vehicle Financing

While typical vehicle financing may require a bank or lender, our Buy Here, Pay Here dealership makes financing a car that's 10 years old possible. As a Buy Here, Pay Here dealership, we assume the role of the lender, setting up a payment plan that fits your needs.

We'll explain the advantages of a Buy Here, Pay Here program, the payment schedule, and the interest rate. Set up a time to talk with one of our financial experts to learn more about this program and why it may be the best option if you're trying to finance a car that's 10 years old.

Finance Your Car at Route 228 Auto Mall

As you've learned, there are different ways to get behind the wheel of a car that's not exactly fresh off the manufacturing line. There can be value in a car that's a bit older, however, and the Route 228 Auto Mall team is here to help you find that value.

We'll explain how to finance a car that's over 10 years old and get you on the roads of Mars, Wexford, and Evans City.

Make an Inquiry


Route 228 Auto Mall

215 Scharberry Ln
Directions Mars, PA 16046

  • Sales: (855) 591-8009


  • Monday 9:00AM - 8:00PM
  • Tuesday 9:00AM - 6:00PM
  • Wednesday 9:00AM - 6:00PM
  • Thursday 9:00AM - 8:00PM
  • Friday 9:00AM - 6:00PM
  • Saturday 9:00AM - 4:00PM
  • Sunday Closed