Apply for Financing
Get pre-approved in minutes. Multiple lenders compete for your loan — you see every offer before signing.
Apply once
One short application. Soft credit pull only — no impact to your score.
Compare offers
Within minutes you'll see real rates and terms from our network of lenders.
Pick the best one
Choose the rate, term, and down payment that fit your budget.
Sign and drive
E-sign from home, or sign at the dealership. Either way, same-day.
Apply Now
Sample Rates
| Term | Tier 1 (740+) | Tier 2 (670–739) | Tier 3 (580–669) | Tier 4 (<580) |
|---|---|---|---|---|
| 36 months | 4.99% APR | 6.49% APR | 9.49% APR | 14.49% APR |
| 48 months | 5.49% APR | 6.99% APR | 9.99% APR | 14.99% APR |
| 60 months | 5.99% APR | 7.49% APR | 10.49% APR | 15.49% APR |
| 72 months | 6.49% APR | 7.99% APR | 10.99% APR | 15.99% APR |
Sample rates as of October 2026. Your actual rate depends on credit approval, vehicle, and down payment. Not all applicants will qualify.
Financing FAQ
Does applying affect my credit score?
No. The initial application is a soft pull. A hard pull only happens once you accept an offer.
Can I finance a vehicle I found elsewhere?
Yes. We offer financing on any vehicle we sell, regardless of source.
What's the minimum credit score?
There isn't a hard cutoff. We work with subprime lenders and have placed loans at scores as low as 520.
Do you require a down payment?
Not always. Several of our lenders offer 0-down programs for qualified buyers.