Open Today! Sales: 9am-8pm Call us at: 865-688-8886

Welcome to Our Finance Center

Have you found the perfect vehicle? If so, it’s time to make it yours with the finance team at Rusty Wallace Kia of Knoxville. We can’t wait to help you celebrate your purchase and toss you the keys to your new ride.

Before we get ahead of ourselves, there’s more to the process than simply saying “yes” to the car of your dreams; there’s the matter of navigating the purchase and finalizing the sale. Customers often dread this part of the car-buying experience, but we’re here to prove you don’t have to when you work with our award-winning team. So, how do we manage such an incredible feat by fueling your excitement and instilling confidence in your purchase?

Our Hassle-Free Guarantee

Shopping for your next vehicle is exciting because it means exploring your options and taking a few test drives to narrow your search. Unfortunately, saying “yes” to the perfect vehicle often marks the end of that excitement because it kickstarts the purchase process. If you’re like most, customers dread the finance process because they know it’s stressful and overwhelming. But what if it wasn’t?

Our award-winning approach is guaranteed to be hassle-free, ensuring your purchase experience is exciting, rewarding, and, dare we say, enjoyable. Our finance team operates with integrity and respect, holding themselves accountable for ensuring your purchase fits your needs, from functional to financial. Moreover, their transparency instills confidence and trust, proving our focus is always on you.

Your Purchase Options: Cash, Loan, or Lease

Knowledge is at the heart of our approach because, as the saying goes, knowledge is power. We want our customers to make informed purchases, whether buying a new or used vehicle. While our competitive pricing guarantees a great deal, knowing your purchase options, the impact of your credit score, and what you can expect from our team leads to a more enjoyable and confident experience. Fortunately, you don’t have to wait as we take a closer look at your purchase options and the weight your credit score carries throughout the purchase process.

Loans vs Leases

Technically, there are three ways to get behind the wheel of a new vehicle: you can pay cash, sign a lease, or secure a loan. Loaning and leasing are far more popular because they don’t require you to spend a lot of money at once, leaving your savings or emergency fund intact. But what’s the difference between a loan and a lease?

Leasing is a long-term rental with a few restrictions because you’re borrowing the vehicle from the dealership and promising to return it as close to its like-new condition. Our finance team can help you find the perfect lease, like a 24-month or 36-month lease, with ideal mileage terms. You’ll enjoy lower monthly payments without the overhead of vehicle ownership and have the opportunity to purchase your leased vehicle at the end or sign a new lease and get behind the wheel of a brand-new model with the latest features.

Unlike leasing, getting a loan makes you a vehicle owner with the help of a lender. Instead of paying the total purchase price, you borrow the money from a lender who charges interest. Every monthly loan payment builds equity in the vehicle, with the lender sending you the title to the car once the loan is repaid. The interest rate is determined based on your credit score, with higher scores rewarded lower rates.

Credit Scores and What You Can Expect

Your credit score plays a significant role because lenders use it to evaluate your creditworthiness. Higher credit scores prove there’s less risk of default, with lenders offering lower interest rates and less restrictive terms. While this is appealing, many customers are rebuilding their credit or establishing their creditworthiness. So, what does this mean at our dealership?

Regardless of your credit score, you can rest easy knowing we’ll work with you. Our relationships with various lenders help us find the right loan options to fit your financial needs. More importantly, our finance team will do everything possible to ensure your purchase sets you up for success, explaining how every loan payment can positively impact your credit score.

Kickstart the Process Today

It’s time to get behind the wheel of a vehicle you love, and we’re here to help. Take advantage of our quick approval process by getting pre-approved before you visit the dealership. Once you’re here, you’ll enjoy many other perks, like our extended warranty coverage and bespoke approach that guarantees your purchase aligns with all your needs.


Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

Best “I never miss a payment!”
The Rusty Wallace Kia of Knoxville loan process can help you find the best interest rate for your next vehicle purchase.

Try our FREE credit application today!

Great New Vehicle APR!*

Competitive Used Vehicle Rates*

We have hundreds of new and used Mercedes-Benz vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

OK “I’ve missed a payment or two.”
Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of Mercedes-Benz vehicles currently available for immediate delivery.

Not So Good “I need to rebuild my credit…”
Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our FREE credit application online.

Once the application is completed, the Rusty Wallace Kia of Knoxville finance team will put together a loan package that is tailored specifically for you.

Online Credit Application

Fill out our online credit application and get pre-approved for your next vehicle.

Get Pre-Approved
Our Financial Services Include:

  • Competitive rates direct from the manufacturer and local Illinois banks
  • Quick approvals
  • Value-added services to protect your vehicle investment
  • Extended warranty programs
  • And many more finance programs to fit your needs

We are always happy to answer your questions so please don’t hesitate to contact us today!

Rusty Wallace Kia of Knoxville is located at: 701 Callahan Dr • Knoxville, TN 37912
Rusty Wallace Kia of Knoxville 36.0226246, -84.0037411.