Sheppard Motors is the place to go for straightforward auto financing in Eugene, Oregon. Our experienced financing professionals are available to help you secure a low APR auto loan, flexible car lease, or a generous trade-in offer. We also offer credit repair financing and bad credit car financing. To get pre-approved, you can apply online or in-person at the dealership. Call our finance department to learn more!

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Finance Department

The Basic Components of an Auto Loan from Sheppard Motors

Down Payment: This is how much cash you pay upfront for your car and is calculated as a percentage of the overall price of the car. Generally, the higher the down payment, the lower your monthly payments will be.


Interest Rate: Also known as the A.P.R. (Annual Percentage Rate), the interest rate is the money you pay a lender to borrow their money. Your credit score, the current market rate, the loan term, and the size of your loan impact your interest rate. The lower the interest rate, the lower your monthly payment.

Loan Term: This is how frequently and long you will be paying your loan. Typical loan terms consist of monthly payments made for 3-5 years. The longer your loan terms, the lower your monthly payment will be.

Find a Model to Buy
Eugene, OR | Springfield, OR | Roseburg, OR

Sheppard Motors is a full-service, authorized dealership for Volvo, Hyundai, and Volkswagen, and we can help you secure flexible and affordable auto financing in Eugene, OR. Our inventory includes the tech-forward Hyundai Kona, a crossover SUV for the modern adventurer. The Volkswagen Atlas delivers the best of German engineering, three rows of spacious seating for seven passengers, and enough power to tackle any terrain. We also carry the Volvo S90, a safety- and style-first sedan crafted with sleek design lines that promise to turn heads during your next morning commute. Call our dealership today to schedule a test drive.

How to Apply for Financing at Sheppard Motors

Apply online and get pre-approved today for auto financing in Eugene, OR. If you have any questions during the process, please contact our finance department anytime during regular business hours. We look forward to helping you get behind the wheel of your dream car!

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Dealership Hours
Mon - Fri8:00am - 7:00pm
Saturday9:00am - 6:00pm
Sunday10:00am - 5:00pm