Lum's Auto Center

Lum's Auto Center near Seaside, OR 97138 Auto Financing Process

Trying to finance your new car purchase can be an intimidating ordeal, but it doesn’t have to be! We’ll help you through the entire auto financing process from Lum's Auto Center near Seaside, OR 97138 to make sure that you get set up with a loan you can manage and a car that you love! Visit us today!

Our experts in the Finance Department are here to help you get through the process and make sure you get a financial plan that is affordable and hassle-free. You don’t want a situation where you get blindsided by changing interest rates or balloon payments, so that’s why our employees can explain the financial agreement without all of the confusing jargon. No matter if you have good credit or bad credit, we can work out a financial plan for you!

There are a few different aspects to consider about the auto financing process at Lum's Auto Center near Seaside, OR 97138. One of the most important variables when determining your financial plans is your down payment. If you pay more up front, that means you’ll have lower monthly payments, and you could also reduce the term of your loan. The length of the loan is another variable, a 60-month loan will have much higher monthly payments than a 72-month plan, however, you’ll end up paying less over the life of the loan. These are all important things to consider when planning for an auto loan, and our financial specialists can help talk you through the best strategy for you and your family.

There are a number of things you can do to help plan out your financial picture without even having to leave the comfort of your own home! Use the Payment Calculator tool to plan out your budget based on a set interest rate and down payment. It will let you see your buying power to set your purchasing limit, or compute potential monthly payments based on how much you’re willing to spend. If you’re trading in your current vehicle, then the Value Trade-In tool will be extremely helpful. Simply enter in some basic information about your vehicle, and you’ll be able to see what it’s worth to help lower your costs.

The auto financing process at Lum's Auto Center near Seaside, OR 97138 is a vital part of purchasing a new or used vehicle. With our help, you’ll be able to get the car you’ve been dreaming about at a price that you can live with. Visit us today!

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Sales Hours

Monday 8:00 am - 7:00 pm
Tuesday 8:00 am - 7:00 pm
Wednesday 8:00 am - 7:00 pm
Thursday 8:00 am - 7:00 pm
Friday 8:00 am - 7:00 pm
Saturday 9:00 am - 6:00 pm
Sunday 10:00 am - 6:00 pm

Sales Hours

Monday 8:00 am - 7:00 pm
Tuesday 8:00 am - 7:00 pm
Wednesday 8:00 am - 7:00 pm
Thursday 8:00 am - 7:00 pm
Friday 8:00 am - 7:00 pm
Saturday 9:00 am - 6:00 pm
Sunday 10:00 am - 6:00 pm

Our Locations

  • Lums Auto Center
  • 1605 SE Ensign Lane
  • Warrenton, OR 97146-7338
  • Get Directions
  • Lums Dodge Chrysler Jeep
  • 1605 SE Ensign Lane
  • Warrenton, OR 97146
  • Get Directions
  • Lums Toyota
  • 1605 SE Ensign Ln
  • Warrenton, OR 97146-7338
  • Get Directions
  • Lums Buick GMC Cadillac
  • 830 NW Highway 99 West
  • McMinnville, OR 97128
  • Get Directions


General Sales Manager Peter Blodgett
Peter Blodgett
General Sales Manager
Meet Peter! When not keeping the sales department striving for greatness, Peter is spending time with his beautiful wife, son and FIVE daughters! Peter has a German Shepherd named Samson who loves going for rides, especially in the morning to the local coffee shops for his daily treat. Peter is an avid sports fan and one of his favorite past times is watching his kids sporting events. When we asked Peter what's on his bucket list..."travel, travel, and more travel".
Sales Manager Justin Teubner
Justin Teubner
Sales Manager
Meet Justin! Justin moved to Oregon from Texas, where he was born and raised. He is a huge fan of the Texans, Rockets, Astros, and Long Horns. Justin is a numbers man known for his poker-face, that came in handy while he played poker professionally for 8 years. Now he is the father of two boys, both born on the same day years apart (crazy!). When Justin isn't working hard to get our customers into their dream cars, he is spending time with his sons watching them play sports, reading biographies, and kicking back with a good puzzle and some Netflix.
Sales Manager Gregg Lundberg
Gregg Lundberg
Sales Manager
Sales Management Admin Asst.  Stephanie Sievers
Stephanie Sievers
Sales Management Admin Asst.
Meet Stephanie! Stephanie is a born and raised local girl. She has two children, a daughter and son. She came to Lum's after 20 years in the banking industry. She loves spending time with friends and family, hunting and going to Knappa High School sporting events. Stephanie enjoys being involved in her community and is on the board of the Knappa School Foundation, she just loves the way the community pulls together to support each other.
Internet Sales Specialist Kristin Klein
Kristin Klein
Internet Sales Specialist
Meet Kristin. Kristin grew up in Knappa, OR and moved to Portland to finish High School and attend college. She has been in the sales industry for 8 years and managed websites and internet leads for the last 4 years, in the Real Estate industry. Now Kristin has come back to her roots, building a house with her boyfriend in Knappa. She has two Step-Daughters and three children of the four-legged variety as well (Dogs: Cleeo, Rogue and Emmy). In her free time she enjoys spending time with her family, playing fetch with Rogue and Emmy (ball is life to them) and being silly making everyone around her laugh. Let the giggles ensue!
Sales Associate Brad Cloe
Brad Cloe
Sales Associate
Meet Brad! Brad has been with Lum's for 8 years. He started as the Service Manager and was in that position for 5 years before taking a leap into sales. And we are so glad he did! Brad definitely found his niche forming relationships with customers. If Brad isn't helping our awesome customers, he is making his rounds in the dealership. This guys is always eager to make people laugh and smile. Outside of work, you can find Brad spending time with his family, watching football (Go Hawks!), camping or restoring his wife's 65' Mustang. He also loves to drive his tractor and take his Harley out on the beautiful Pacific Northwest days. His bucket list includes earning his pilot license, learning to play the piano and traveling to Scotland for the best scotch ever!
Sales Associate Jon Fick
Jon Fick
Sales Associate
Meet Jon! Jon grew up in Clatsop County and enjoys the outdoors, hunting, fishing, and riding his off-road motorcycle. Jon is very helpful and always willing to lend a hand when needed. He has proven himself to be an asset to the Lum's Auto Center Team.
Sales Associate Harold Gramson
Harold Gramson
Sales Associate
Meet Harold! Harold was born and raised in Warrenton. He is married and has two great kids. On his off time he enjoys hunting, fishing, and spending time with the family in the outdoors. One of the reasons why Harold loves working at Lum's is he enjoys meeting new people in the community and helping them purchase a new vehicle.
Sales Associate Chris Corcoran
Chris Corcoran
Sales Associate
Meet Chris! Chris grew up in the heart of the Redwoods in Northern California. In his spare time you can catch him fishing on the river, or up in the back country hiking or backpacking. Most of all, Chris enjoys spending as much time with his family as possible.
Sales Associate John 'Koz' Kozlowski
John 'Koz' Kozlowski
Sales Associate
Meet John (we affectionately refer to him as 'Koz')! Koz is from the East Coast and moved to the Pacific Northwest in 2008. Koz comes from a Car business family and is an avid car enthusiast. He loves football (Go Giants), traveling, cooking, history and spending time with his wife and 2 daughters (soon to be three!).
Sales Associate Ralph Rasmussen
Ralph Rasmussen
Sales Associate
Meet Ralph! Ralph is a seasoned vet in the car business. He is passionate about his family and his faith.
Sales Associate Jody Ulrey
Jody Ulrey
Sales Associate
Meet Jody! He is a Northwest native. When he isn't helping customers find the car of their dreams, he enjoys traveling, hunting and fishing. Most of all though, he loves spending time with his better half, Joy. The two of them enjoy cooking together and have two Italian Greyhounds, Bandit and Bojangles.
Sales Associate Debbie Hunt
Debbie Hunt
Sales Associate
Meet Debbie! Debbie is an Svenson native. After many years working in electronic sales and machine maintenance, she has decided to branch out into the car business. In her free time she likes to spend time with her family, horseback ride and go clam digging. Her favorite movie quote: 'You had me at hello'.
Sales Associate Mario Fiaschi
Mario Fiaschi
Sales Associate
Meet Mario! He is from Chicago and recently moved to the Oregon Coast with his wife and two sons. Mario has lived all over the world in places like New York, Texas, Mexico City, and Europe. He is also fluent in English, Spanish, and Italian! In his free time he loves riding dirt bikes, traveling and eating as much Italian food as possible.
Sales Associate Erik Hansen
Erik Hansen
Sales Associate
Meet Erik! He was born and raised in Seaside and has been in the automotive industry for over 10 years now. When he isn't helping his customers find their dream cars, he loves spending time with his dog, Bubba, traveling and trying different food from around the world. Stop on in and ask Erik about his love of modern muscle cars.
Sales Associate John Mendrin
John Mendrin
Sales Associate
Meet John! John just moved to the area from Keizer, OR after his beautiful girlfriend was promoted to a Park Ranger. On their off-time, in the summer, you can find John and his lady hiking in the mountains chasing clouds, views and waterfalls. And, in the Winter, they love snow-shoeing in the hills. John loves anything active and even served on the Marion County Water Rescue Team for five years.
Sales Associate William 'Boomer' Preston
William 'Boomer' Preston
Sales Associate
Meet Boomer! Boomers was born in Gold Beach, OR and raised in Long Beach, WA. When he's not providing the best customer experience here at the dealership, he enjoys fishing, hunting and spending time with his dogs and fiance, Brooke. Brooke and Boomer are excited to be welcoming a baby girl in December!
Sales Associate Katie Lundberg
Katie Lundberg
Sales Associate
Meet Katie! Katie is the proud mother of a 2-year-old baby girl that she loves to adventure with. She loves animals and is always willing to help other people when possible. Katie is also a goof-ball and loves to make people laugh (a quality we truly enjoy). In her free time, Katie enjoys cooking creative meals and decorating her house. If you're looking for a new car, a good laugh, and to be treated like family, come in and ask for Katie!
BDC Manager Cory Francis
Cory Francis
BDC Manager
Meet Cory! When he's not here making sure our customers and potential customers are getting the very best service, he is always spending time with his family. He and his wife, Clara, have been together for 14 years (meeting when they were just 14 years old!) and share a beautiful daughter together. He has been in the car business for 6 years and is excited to build a team of customer service agents that ensure great experiences for all of our customers.
Customer Care Specialist KC Santilli
KC Santilli
Customer Care Specialist
Meet KC! KC came all the way to the beautiful Oregon Coast 7 years ago from Nyssa, OR (on the Idaho border), and hasn't looked back since. When she isn't spending time with her husband and 4 boys, you can find her putting her musical talents to good use. She loves singing and playing bass at her community church or anywhere that offers karaoke!
Customer Care Specialist Athena Van Arsdell
Athena Van Arsdell
Customer Care Specialist
Meet Athena! Athena is the proud mother of 4 boys who keep her very busy since they range in age from preschool to High School. Her favorite things to do in the little amount of spare time she has are, watching scary movies and camping with her kids.
Lot/Detail Manager Richie  Andrews Jr.
Richie Andrews Jr.
Lot/Detail Manager
Meet Richie! Richie moved to Oregon from California. Richie enjoy's the Pacific Northwest for it's beaches, tree's, and lush greenery. He is the father of a beautiful boy. On Richie's off time he loves to spend time with his son and girlfriend watching any superhero movie. His dream vacation would be going to Italy, Rome and Egypt to take in the architecture and beauty. Richie loves his job at Lum's for the great people and environment: "They treat customers and employees with care."
Lot Porter John 'JJ' Howell
John 'JJ' Howell
Lot Porter
Meet JJ! JJ is a retired Air Force Major and has degrees in Astro Physics, Nuclear & Electrical Engineering, making him one of the most educated people you will ever meet! His first car was a 1971 Plum Crazy Hemi Challenger and he bought it right off the lot! In his off time, JJ enjoys any auto racing, Formula 1, NASCAR, WEC, and Rally.
Lot Porter/Detail Siobhan 'Chevy' Murphy
Siobhan 'Chevy' Murphy
Lot Porter/Detail
Meet Chevy! She makes sure our new and used cars are always looking pristine.