Flexible Financing Made Simple

We work with customers of all credit levels! While excellent credit (750+) gets you the best rates, we have programs for fair credit (580-669) and even customers with credit challenges. Our multiple lender network means we can find financing options regardless of your credit score.

We typically recommend putting down 10-20% of the vehicle's purchase price. A larger down payment reduces your monthly payment and the total interest you'll pay. However, we offer low and no down payment options for qualified buyers.

You'll need: valid driver's license, proof of income (pay stubs, bank statements, or tax returns), proof of residence (utility bill or lease agreement), and references. If you have a trade-in, bring the title and registration.

Our pre-approval process typically takes just minutes! Once you submit your application, we can often provide a decision within 10-15 minutes. Final approval and paperwork can be completed the same day in most cases.

Absolutely! We work with self-employed customers regularly. You'll need to provide tax returns (typically 2 years), bank statements, and other documentation to verify your income. Our finance team specializes in non-traditional income verification.

Interest rates vary based on credit score, loan term, vehicle age, and other factors. Excellent credit customers may qualify for rates as low as 3.9% APR, while customers with credit challenges typically see rates between 8-18% APR. We'll always find you the best rate possible.