Can I get a car with $500 down?

Sometimes. Down payment depends on the vehicle, the lender, and your situation. We work with outside lenders rather than financing in house, so we will tell you the real number for a specific car instead of advertising a teaser. Bring your budget and we will show you what actually fits it.

Do you offer no credit check financing?

No, and that is on purpose. A real auto loan involves a credit check, and payments on a real loan build your credit. Lots that skip the check are buy here pay here operations where payments usually do nothing for your score. If your credit is rough, we work with lenders who look past a single number.

Are you an in house financing dealership?

We are the alternative. Instead of being your lender and your dealer at once, we partner with outside lenders who compete for your loan. You get a real loan that builds your credit, and we stay on your side of the table.

Financing

Apply for financing

Use the secure application below to start the financing process. The dealer's financing partner handles the information entered in the embedded application.

Buying your first car? Start with our first-time buyer guide. Considering a buy-here-pay-here lot? Read our buy here pay here guide.

What helps an approval

Lenders look at your whole situation, not just a score. Having these ready usually makes the process faster and the options better:

A valid driver's license
Proof of income (recent pay stubs or bank statements)
Proof of residence (a utility bill works)
A down payment
A trade-in, if you have one
Accurate information on the application

Prefer to talk first?

Not ready to apply? Leave your name and number and we'll go over your options — no application needed.

Ask about financing

How used-car financing actually works

When you finance a car, a lender — a bank, credit union, or finance company — pays the dealer for the vehicle and you repay the lender in monthly payments. The dealer's job is matching your situation to the right lender; your payments then go directly to that lender, and on-time payments are typically reported to the credit bureaus, which can help build or rebuild your credit.

APR (annual percentage rate)

The yearly cost of borrowing, as a percentage. Your APR depends on your credit profile, the vehicle, the term, and the lender — two buyers can get different rates on the same car.

Term

How many months you repay over (commonly 36–72). A longer term lowers the monthly payment but costs more in total interest — the calculator on every vehicle page lets you compare.

Down payment

Money you put in up front. It lowers the amount financed, usually improves approval odds, and can earn a better rate. Trade-in value can count toward it.

Out-the-door price

The real total: vehicle price plus tax, title, registration, and dealer fees. Priced vehicles on this site show an out-the-door estimate right on the vehicle page, so the number at signing isn't a surprise.

A few honest tips: get pre-approved before you fall in love with a specific car; budget for insurance (it's required on every financed vehicle); and judge affordability by the out-the-door payment, not the sticker. First car? Our first-time buyer guide walks through the whole thing step by step.

Financing questions, answered straight

Can I get a car with $500 down?: Sometimes. Down payment depends on the vehicle, the lender, and your situation. We work with outside lenders rather than financing in house, so we will tell you the real number for a specific car instead of advertising a teaser. Bring your budget and we will show you what actually fits it.
Do you offer no credit check financing?: No, and that is on purpose. A real auto loan involves a credit check, and payments on a real loan build your credit. Lots that skip the check are buy here pay here operations where payments usually do nothing for your score. If your credit is rough, we work with lenders who look past a single number.
Are you an in house financing dealership?: We are the alternative. Instead of being your lender and your dealer at once, we partner with outside lenders who compete for your loan. You get a real loan that builds your credit, and we stay on your side of the table.