Financing

Drive now. Pay on your terms.

Whether you're paying cash, financing through your bank, or need us to connect you with a lender — we make the money side simple.

$0
Down payment options
48
States we source from
24hr
First match turnaround
650+
Minimum credit score

How do you want to pay?

We work with every budget. Pick the path that fits your financial situation.

💰

Cash Purchase

The cleanest deal. Set your max budget, we find the best vehicle in that range. No interest, no monthly payments, no lender approval needed.

  • No credit check required
  • No interest charges
  • Fastest closing time
  • Best negotiating position
  • No monthly payment stress
🏦

Bank / Credit Union Financing

Already pre-approved? Bring your own financing and we handle the rest. Your rate, your terms, your lender.

  • Use your existing bank relationship
  • Often the lowest interest rates
  • Pre-approval speeds up the deal
  • We handle dealer paperwork
  • No dealer markup on rate
💲

We Find You a Lender

Don't have financing lined up? We connect you with lenders who work with all credit profiles. Good credit, rebuilding credit — we've got options.

  • Multiple lender options
  • Credit scores 650+
  • Competitive rates
  • Terms from 36-84 months
  • $0 down payment options available
🚗

Trade-In + Finance

Trading in your current vehicle? We apply your trade-in value as a down payment, reducing your monthly cost and the amount you need to finance.

  • Free trade-in valuation
  • Applied directly to your deal
  • Lower monthly payments
  • Less out-of-pocket at signing
  • We handle the title transfer

📈 Payment Estimator

Get a rough idea of your monthly payment. This is an estimate — actual terms depend on your credit and lender.

Financing Questions

What credit score do I need?
Most of our lending partners work with credit scores of 650 and above. If your score is below 650, we may still have options depending on your income, down payment, and the vehicle price. Submit a request and we'll let you know what's available.
Can I get approved with no down payment?
Yes, $0 down options are available for qualified buyers. However, putting money down typically results in better rates, lower monthly payments, and more vehicle options. Even $1,000-$2,000 down can make a significant difference.
How long does financing approval take?
Most approvals come back within 24 hours. If you're pre-approved through your own bank, the process is even faster since we just need your approval letter to move forward with sourcing.
Do you do buy-here-pay-here?
No. We're a vehicle sourcing service, not a dealership lot. We connect you with legitimate lenders and help you find the right vehicle. This means better rates, better vehicles, and a cleaner buying experience.
Can I use my trade-in as a down payment?
Absolutely. We'll give you a fair market valuation on your trade-in and apply it directly to the deal. This reduces the amount you finance and lowers your monthly payment. We handle all title transfer paperwork.
What's the difference between using my bank vs your lenders?
Using your own bank often gets you the lowest rate, especially with an existing relationship. Our lending partners are great if you don't have pre-approval or want to compare. We recommend getting pre-approved first, then comparing with our options.
Are there any hidden fees?
No hidden fees. Our sourcing fee is transparent and discussed upfront. Vehicle price, taxes, registration, and any applicable fees are all laid out clearly. You'll know the total cost before signing anything.

Ready to talk numbers?

Tell us your budget and the vehicle you want. We'll find options that fit.

Find My Car