Milton Ruben Superstore, a well-known automotive dealership in Augusta, Georgia, formerly offered in-house financing options under the banner of “Milton Ruben Finance.” While they no longer promote this specific in-house program as prominently, understanding how it functioned provides insight into their customer service approach and the broader landscape of dealership financing.
Traditionally, Milton Ruben Finance aimed to assist customers with challenging credit histories in securing auto loans. Unlike traditional bank financing, which relies heavily on credit scores and established credit history, in-house financing considers factors like employment history, income, and down payment amount. This approach broadened access to vehicle ownership for individuals who might otherwise be denied loans by conventional lenders.
The potential benefits of Milton Ruben Finance, or similar dealership financing programs, include:
- Convenience: Applying for a loan directly at the dealership streamlines the car buying process. Customers can handle financing and vehicle selection in one location, saving time and effort.
- Accessibility for Challenged Credit: Individuals with poor credit, limited credit history, or past bankruptcies may find it easier to qualify for a loan through in-house financing than through traditional banks or credit unions.
- Potential for Credit Repair: Making timely payments on a Milton Ruben Finance loan could help improve a customer’s credit score over time, paving the way for better loan terms in the future.
However, it’s crucial to acknowledge potential drawbacks associated with in-house financing. Interest rates are often higher compared to traditional loans, reflecting the increased risk for the lender. Loan terms may also be shorter, resulting in higher monthly payments. It’s essential to carefully review the loan agreement and understand all terms and conditions before committing.
Currently, Milton Ruben Superstore partners with a variety of reputable lending institutions, offering customers a range of financing options beyond what was previously handled directly by “Milton Ruben Finance.” This network allows them to find competitive rates and terms tailored to individual financial situations. Customers can still explore financing options directly through Milton Ruben, benefiting from their expertise in navigating the loan application process and securing suitable financing solutions.
When considering financing at Milton Ruben Superstore, or any dealership, it’s always advisable to:
- Check your credit score: Knowing your credit score beforehand gives you a better understanding of the interest rates you’re likely to qualify for.
- Shop around for loan rates: Compare offers from multiple lenders, including banks, credit unions, and online lenders, to ensure you’re getting the best possible deal.
- Read the fine print: Carefully review all loan terms and conditions, including interest rates, fees, repayment schedules, and any potential penalties.
- Negotiate: Don’t be afraid to negotiate the interest rate or other loan terms.
While the “Milton Ruben Finance” program may no longer be their primary financing offering, the company’s commitment to assisting customers with their financing needs remains central to their business model, albeit through partnerships with established lending institutions.
250×250 dealership augusta milton ruben auto group from www.miltonruben.com 
1170×305 exchange program from www.miltonruben.com 
301×287 miltonrubenfeld digging history from digging-history.com 
880×290 chrysler dodge jeep ram car dealer serving from www.miltonrubenchryslerjeep.com 
1119×679 milton ruben auto group blog milton ruben auto group blog news from www.miltonruben.com 
800×534 owners clinic begins milton ruben from www.miltonruben.com 
1800×1216 milton ruben automotive group hosts job fair loveaugusta from www.miltonruben.com 
808×118 dealership augusta ga serving fort gordon martinez from www.miltonrubentoyota.com 
584×438 milton ruben toyota community milton ruben toyota blog from www.miltonrubentoyota.com 
1024×683 gift giving memorable milton ruben augusta cars from www.miltonruben.com 
800×600 ruben venture management technical solutions from vmnts.com 
250×250 milton ruben chevrolet reviews washington from www.yelp.com