Financing
Pre-approval
Financing in plain terms
We work with 15 lenders, so one application reaches banks and credit unions competing for your loan. Rates start at 3.9 percent APR for well-qualified buyers, with terms from 24 to 84 months and $0 down options.
A soft pre-approval takes about 60 seconds and does not affect your credit score. You see an estimated rate and monthly payment before you pick a car, so there are no surprises at the desk.
Get pre-approvedHow it works
Three steps to pre-approval
Apply online
Fill out one short form with your name, contact details, and the vehicle you want. No Social Security number is needed for the soft check.
See your rate
A soft pre-approval returns an estimated APR and monthly payment in about 60 seconds, with no effect on your credit score.
Finalize at the lot
Bring your ID and proof of income. The finance team confirms your terms and completes the paperwork in person.
Financing questions
Will checking my rate hurt my credit?
No. The pre-approval uses a soft credit check, which does not affect your credit score. A hard inquiry happens only when you choose a lender and move forward with a purchase.
What credit scores do you approve?
We place buyers across the credit range through 15 lenders. Rates start at 3.9 percent APR for well-qualified buyers and rise from there. There is no minimum score to apply.
How much do I need for a down payment?
$0 down options are available for qualified buyers. A larger down payment lowers your monthly payment and total interest, so the finance team will show you both scenarios side by side.
What should I bring to finalize?
A valid driver's license, proof of income such as recent pay stubs, and proof of insurance. We complete the rest of the paperwork at the lot.
Get pre-approved today
Start with a soft pre-approval that will not affect your credit score, then shop the lot with a budget in hand.