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14873 113th St
Directions Little Falls, MN 56345

  • Sales: (877) 280-4374
  • Service: (866) 250-7921
  • Parts: (866) 262-0573

Brandl Motors Auto Loan & Financing FAQ

At Brandl Motors, we get a lot of questions about car financing, as any dealership does! Buying a New or Used Car in Central MN is a time-intensive process that can cause a lot of uncertainty and Frustration. That's why we've put together this list of Financing FAQs! Check out the most common questions we are asked and how we respond! Visit our new car dealership at 14873 113th Street, or give us a call at (877) 280-4374 to learn more!

How much do you require down?
The down payment amount is determined by many factors.  The banks will usually finance the entire sale price of the vehicle, so in many cases no money down is required.  If you have bad credit or no credit you may be required to have some money down but every situation is different. You can use our payment calculator to get you started.

What is the term of the loan?
Depending on the year of the vehicle will usually dictate the term. On new and newer vehicles 60, 72 and 84 months are common.  Typically with good credit the bank will finance a new vehicle for 84 months.  Bad or troubled credit may shorten up the term. But here at Brandl Motors we match your terms to what best matches your lifestyle and do our best to keep you in the best equity position. We will work hard at getting you the best possible vehicle with the best possible payment terms!

Will my trade qualify for money down?
Yes!!  Additional money, however, may be required if there is a Lien on the vehicle you are trading.  We pay top dollar for vehicle trade in's. Brandl Motors has been known to buy anything. We are always interested in your Trade IN, No Matter What condition!

When is my first payment due?
Typically it is 30 to 45 days from taking delivery of your new vehicle.  On occasion you will see 60 to 90 days to first payment, ask a finance specialist for details.

How many banks or lending institutions do you use?
We use numerous banks, credit unions and lending institutions to help our customers get the most competitive rates and terms.  We even have a bank that offers 100% Guaranteed Credit Approval. We will find you a Bank that is competitive with Rates and Terms, that is Guaranteed!

How can I get my payments lower?
Lowering a payment can be done by reducing the amount financed (putting money down or trading a vehicle in) or extending the term of the loan. The more money you put down or the higher your trade in value determines what your payments will be. 

Can I pay the loan off early without penalty?
Yes, there is no penalty, pay off the principle amount of the loan at any time

Can I add accessories to the loan?
Yes, you are adding value to the vehicle, when setting up your original loan be sure to get pricing on the accessories.

Do you report to the credit bureau?
Yes, all of our lenders report to the credit bureau. We do have a program that can help you work with the Credit Bureau to remove unwanted or non relevant credit hits. Let us know if this is something you want to do. 

Do you offer buy here pay here?
We guarantee 100% credit approvals without having to do buy here pay here. Our finance specialist have built relationships with numerous banks, credit unions and lending institutions to find the right finance package for each customer.

Will inquiries affect my credit ratings?
If you're shopping around for an auto loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report.  Inquiries can add up, which is often interpreted negatively by creditors.  For this reason, too many inquires can actually make getting an auto loan more difficult. When you are ready to shop, it is best to have your credit pulled as many times as needed within a 1 week period. In other words, shop first, when you find 2-5 vehicles you are interested in, have your Credit pulled.

Will Cosigners help?
A cosigner may help for a buyer who does not qualify for a loan on their own. Cosigner is someone who is on the loan but may not necessarily be a driver of the vehicle. This can help lower interest rates, payment terms, and overall cost of the loan.

What if I have been through a Divorce or filed Bankruptcy or even had a Foreclosure on my house? 
No matter what your situation is we are here to help.  We have banks that offer Guaranteed Auto Credit Approval. You will never be sure of your credit worthiness unless you have your Credit Pulled.

What are the interest rates?
A very good question for which there is not a direct answer.  Rates are based on your credit profile and the equity position of the loan.  We will get you the most competitive rate based on your credit profile.  The higher your credit rating and down payment the lower your interest rates will be.  Also, the model year of the vehicle plays an important role. The older the vehicle, the higher the rate. 

I have never had a loan before.  Do I qualify?
Brandl Motors works with Banks that offer First Time Buyer Programs.  

I have had a repossession less than a year ago.  Do I still qualify? 
Greater money down may be required and vehicle selection may be limited but we do have a bank that offers 100% Credit Approval.

Ready to Get Your Auto Loan Started?



  • Monday 8:00am-7:00pm
  • Tuesday 8:00am-7:00pm
  • Wednesday 8:00am-7:00pm
  • Thursday 8:00am-7:00pm
  • Friday 8:00am-6:00pm
  • Saturday 8:00am-3:00pm
  • Sunday Closed


Brandl Motors

14873 113th St
Directions Little Falls, MN 56345

  • Sales: (877) 280-4374
  • Service: (866) 250-7921
  • Parts: (866) 262-0573