Financing at Hill City Hot Rods
Financing at Hill City Hot Rods
You don't have to arrange your own loan to buy from us. Apply here and we'll send your application to the lenders we work with, then tell you straight what they come back with. We're a family-owned lot, not a high-volume store with a quota, and there's no processing fee on top of the price at signing.
Who we finance with
We submit applications to these lenders. Rates, terms and approval are theirs to decide and depend on your credit, the vehicle and how much you put down.
Freedom First Federal Credit Union
A member-owned credit union rooted in the Roanoke and Lynchburg area. Credit unions often come back with competitive rates for buyers with established credit.
Westlake
A national auto lender that looks at a wider range of credit histories, including buyers who have been turned down elsewhere or are still building credit.
Already have your own bank or credit union? That works too — bring their approval and we'll handle the paperwork from there.
$0 processing fees
Most Virginia dealers add a processing fee of several hundred dollars at signing. We don't charge one. You still pay state taxes and DMV title and registration fees, which go to the state, not to us.
How it works
- 1
Apply online
The application takes a few minutes and can be done before you visit.
- 2
We send it out
We submit your application to our lenders and let you know what comes back.
- 3
Pick your car and sign
Finish the paperwork here at the lot. No processing fee is added at signing.
What to bring
- Driver's license
- Proof of income (recent pay stubs)
- Proof of insurance
- Proof of residence if your license address is out of date
- Title and registration for a trade-in
Also worth knowing
- Payment calculator — estimate a monthly payment before you apply.
- Trade or sell us your car — apply the offer to your next vehicle, or take a check.
- Extended warranties and GAP coverage — optional, quoted per vehicle.
Financing questions
Who does Hill City Hot Rods finance through?
We work with Freedom First Federal Credit Union and Westlake. Which lender fits depends on your credit profile, the vehicle and the term you want. Approval and terms are decided by the lender, not by us.
Can I get financed with less-than-perfect credit?
Often, yes. Westlake in particular looks at a wide range of credit histories, including buyers rebuilding their credit. We can submit your application and tell you honestly what comes back. No approval is guaranteed.
Can I apply before I come in?
Yes, and it saves time. Use the online application on this site, and we'll have an answer ready when you arrive. You can also call us at (434) 525-2256.
Does Hill City Hot Rods charge a processing or doc fee?
No. We charge $0 processing fees. The advertised price does not include state taxes or government title and registration fees, which are set by Virginia and paid to the DMV.
Can I trade in or sell you my current vehicle?
Yes to both. We'll appraise your vehicle whether you apply the offer to your next car or simply want to sell it to us outright.
Do you offer extended warranties and GAP?
Yes. We offer vehicle service contracts and GAP coverage. Both are optional, and we can quote them on any vehicle you are considering.
Financing is subject to credit approval by the lender. Rates, terms and down payment requirements vary by lender, credit history and vehicle. Applying does not guarantee approval.
Hill City Hot Rods charges $0 dealer processing fees. Advertised price does not include state taxes and government title/registration fees. Dealer relies on external data provided by the vehicle manufacturer and other resources and, therefore, exact configuration, specifications, color and accessories are not guaranteed. We make every effort to present accurate information. Dealer will not be liable for any inaccuracies, claims or losses of any nature. Furthermore, inventory is subject to prior sale and prices are subject to change without notice.
All payment quotes are estimates for informational purposes only, are subject to credit approval and do not constitute an offer of credit. Actual terms may vary based on creditworthiness. Offers are available to well-qualified buyers on approved credit and are subject to change after a hard credit check.