Flexible Financing for Your Dream Car

We work with borrowers of all credit levels. While excellent credit (720+) typically qualifies for our lowest rates, we have programs for fair and poor credit as well. Even if you've experienced bankruptcy or repossession, we can often find a solution. The key factors we consider include your income stability, employment history, and down payment amount.

Our online application takes just 5-10 minutes to complete, and most applicants receive a preliminary decision within 24 hours. Once approved, you can typically drive home in your new vehicle the same day. For final approval, we'll need to verify your income, employment, and identity documentation.

You'll need: valid driver's license or state ID, proof of income (recent pay stubs or tax returns), proof of residence (utility bill or lease agreement), proof of insurance, and references. For self-employed applicants, we may request additional documentation such as bank statements or profit and loss statements.

Absolutely! Getting pre-approved gives you several advantages: you'll know your budget before shopping, you'll have more negotiating power, and the buying process will be faster. Pre-approval is valid for 30 days and doesn't obligate you to purchase from us, though we hope you'll find your perfect vehicle in our inventory.

No! All of our loans have no prepayment penalties. You can pay off your loan early, make extra principal payments, or refinance at any time without fees. Paying extra toward principal can significantly reduce the total interest you pay over the life of the loan.

Having a co-signer with strong credit can help you secure better rates and terms, especially if you're a first-time buyer or rebuilding credit. The co-signer shares responsibility for the loan and their credit history is considered in the approval decision. Both parties will need to complete the application and provide documentation.