Used Car Financing Checklist

When you've made the decision to purchase a pre-owned vehicle near Lubbock, Amarillo, or Midland, Texas, we'd be delighted to help you find your ideal next vehicle. Cavender Lexus of Lubbock has spent decades working with customers like yourself, helping pair them with the type of driving experience they deserve.

But, before you drive off into the Texas sunset, it's important to get prepared. Our team has put together a used car financing checklist to help you make the best of your time at our Lexus dealership. Read on to learn more.

Research & Prepare

An idiom for the ages, "The more you know, the better," remains a true statement across any type of info-gathering process. As you shop for a pre-owned Lexus vehicle to drive around the Lone Star State, it's important to research the vehicle you prefer and prep yourself for the road ahead.

Below, we've laid the four most critical steps you should add to your research palette. With these in your back pocket, you're certain to secure the best-possible deal at our Lexus dealership.

Determine Your Used Car Budget

Before anything else, you should set your budget. There are several factors that play a role in a pre-owned car's budget that exceed the cost of the vehicle itself. For instance, drivers should calculate gas, insurance, car payments, and repair costs into the final number.

Generally speaking, your pre-owned Lexus budget shouldn't exceed 20% of your take-home pay. With this in mind, the hardest part is out of the way.

Search Our Inventory for Your Favorite Car

Filter and sort your way through our expansive online pre-owned inventory. You can readily see which pre-owned Lexus models are available, as well as diving deep into their specifications and standard and available features.

To get started, begin your search with our selections online. You can search according to your budget and even get pre-qualified to save time.

Keep Tabs on Your Credit Score

Now that your preferred pre-owned Lexus sedan or SUV has been picked out, the next step in the process is to check your credit score. This is crucial in determining the type of financing you may need when buying a vehicle.

It's important to stay on top of your credit score whether or not you want to purchase a pre-owned Lexus vehicle. You can request a free copy of your credit report with ease from the three national credit bureaus: Equifax, Experian, and TransUnion.

Apply for Financing with Confidence

Your budget has been set, you've selected your favorite pre-owned Lexus model, and you've obtained your credit score information. The only thing left to do is sit down with one of our finance experts to seal the deal.

You have the option of applying either online or in person. Once you're approved, you'll find the monthly payment that works best for you, sign the document, and then drive in the beauty our home state offers.

Let Us Help Finance Your Next Used Car

Cavender Lexus of Lubbock is eager to work with you one-on-one to secure your next pre-owned vehicle. It's our hope that, as we listed out above, our used car financing checklist was able to provide clarity and peace of mind as you conduct your research.

Drivers near vehicle near Lubbock, Amarillo, or Midland, TX, contact our team of financial experts, so they can help ahead of your visit. You can reach out to them either online or over the phone to receive all the detailed information you need to gain the confidence you deserve. We're here to help you.

Make an Inquiry


Cavender Lexus of Lubbock

1302 19th St
Directions Lubbock, TX 79401

  • Sales: (806) 766-8296
  • Service: (806) 766-8252
  • Parts: (806) 765-3609


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