Financing
One application. Several lenders. Honest numbers.
We're not a bank, and we're not tied to one. We take your application to a group of lenders who compete for it — then we show you exactly what came back.
How it works
Four steps, start to keys
- 1
Apply online in about 10 minutes
One secure application. You'll need your address history, employment and income — that's most of it.
- 2
We shop it to our lenders
We send your application to multiple lenders rather than a single bank, then bring you the best structure we can find.
- 3
You see the numbers in writing
Rate, term, payment and the out-the-door total, before you sign anything. No surprises at the desk.
- 4
Sign and drive
Bring your license, proof of insurance and your down payment. Most deliveries take under an hour.
Credit situations
Where you are is where we start
We'd rather tell you the truth about your options than waste your afternoon.
Strong credit
We compete hard on rate. Bring us a pre-approval from your bank or credit union and we'll try to beat it.
Building or rebuilding
Past bankruptcy, repossession or thin file — we have lenders who work in that space every day.
First-time buyer
No credit history yet? Steady income and a reasonable down payment go a long way.
Self-employed
Bank statements and tax returns can stand in for pay stubs with several of our lenders.
Questions
Before you apply
Does applying hurt my credit?+
Submitting this application authorizes a credit inquiry, which can affect your score slightly. Multiple auto inquiries inside a short shopping window are generally treated as one by the major scoring models.
What do I need to bring?+
A valid driver's license, proof of insurance, your most recent pay stubs or proof of income, and your down payment. If you're trading a vehicle, bring the title and registration.
How much should I put down?+
There's no universal answer, but more down usually means a lower payment and better approval odds. Tell us what you have and we'll show you how it changes the numbers.
Can I get approved before I pick a car?+
Yes — leave the vehicle field blank. We'll tell you the budget you're approved for so you can shop with real numbers.
Ready when you are
Ten minutes now can save an afternoon at the dealership. Or just call (631) 223-0298 and we'll walk you through it.