Get pre-qualified
This is a soft-pull pre-qualification. It does not affect your credit score and it is not a formal credit application — that only happens once you have chosen a vehicle and asked us to submit it.
Privacy: the information on this form is used solely to pre-qualify you for vehicle financing and is shared only with the lenders considering your application. We do not sell customer data. See our privacy policy.
Before you apply
Can I get financed with bad credit?
Yes. We work with a panel of lenders that includes subprime and first-time-buyer programs. Credit score matters, but verifiable income, time on the job and down payment often matter more to the lenders we use.
Will applying hurt my credit score?
Our pre-qualification uses a soft credit pull, which does not affect your score. A hard inquiry only happens once you choose a vehicle and ask us to submit a formal application. Multiple auto inquiries inside a 14-day window are treated as one by the major scoring models.
How much do I need for a down payment?
It depends on the lender, the vehicle and your credit profile. Many approvals land between ten and twenty percent. Some programs approve with nothing down; a larger down payment lowers both your payment and the total interest you pay.
Do you offer buy here pay here or in-house financing?
We place financing through outside lenders rather than carrying notes ourselves. In practice that works out better for the customer, because you get a normal auto loan that reports to the bureaus and builds your credit.
Can I pay cash?
Yes, and it does not change the price of the vehicle. Bring a cashier’s check or arrange a wire; large amounts of physical currency trigger federal reporting requirements that slow the delivery down.
Do you accept co-signers?
Yes. A co-signer with stronger credit frequently improves the rate enough to be worth the conversation, particularly for first-time buyers and recent graduates.