FINANCING
MADE SIMPLE
Get pre-approved in minutes. We work with 20+ banks and credit unions to find your lowest rate — good credit, bad credit or no credit.
THREE STEPS TO THE KEYS
Apply online
Fill out our secure 2-minute application. Soft credit check only — no impact on your score.
Compare offers
We shop 20+ lenders and present your best rate, term and payment side by side.
Drive home
Pick your car, sign digitally or in store, and drive home — often the same day.
A PLAN FOR EVERY
CREDIT PROFILE
Whether you have perfect credit or you're starting fresh, we have a path to approval that fits your budget.
- Bank & credit union financing with competitive rates
- First-time buyer programs — no credit history needed
- Credit rebuilding & in-house Buy Here Pay Here
- Trade-in equity applied to your down payment
- Flexible terms from 24 to 84 months
ESTIMATE YOUR PAYMENT
Slide to adjust price, down payment, rate and term. Your estimate updates instantly.
Estimate only. Taxes, title and fees not included. Rate depends on credit approval.
Apply in 2 minutes
Secure application · Soft credit check · No obligation
From application
to keys
A specialist checks your application within the hour.
Rates, terms and payments from our lending partners.
Shop with a confirmed budget — no surprises.
Finalize in store or digitally and drive home.
FINANCING FAQ
Will applying hurt my credit score?
Pre-approval uses a soft inquiry, so it does not affect your score. A hard inquiry only happens once you choose a lender and finalize your deal.
Can I get financed with bad or no credit?
Yes. We work with lenders who specialize in rebuilding and first-time credit, and our in-house Buy Here Pay Here program approves based on your job and income.
How much do I need for a down payment?
Many approvals start at $500 down. A larger down payment or trade-in lowers your monthly payment and can improve your rate.
Can I use my trade-in as a down payment?
Absolutely. We appraise your trade for free and apply its equity directly toward your next vehicle.
What documents should I bring?
A valid driver's license, proof of income (recent pay stubs), proof of residence and proof of insurance. We'll tell you if anything else is needed.
How long does approval take?
Most applicants get a decision within the hour during business hours, and many drive home the same day.
*3.9% APR available on select vehicles with approved credit (720+), 60-month term. Rates and terms vary by lender and credit profile.