Financing
Financing made simple
Getting pre-qualified takes about two minutes and does not affect your credit score. You'll see a real payment range before you ever come in, and there's no obligation to buy.
Ballpark it
What could this look like each month?
Slide the numbers around to get a feel for a payment before you talk to anyone. It's an illustration, not an offer.
Assumes a sample 7.9% APR for illustration. Your real rate depends on your credit, the lender, the term, and the vehicle — get your actual number.
Financing options
There's a path here from wherever you start
Not everyone reading this has perfect credit, and that's completely normal. Wherever you're starting from, we'll be honest about what's realistic and work to get you there.
Strong credit
If your credit is in good shape, we'll put lenders in competition for your business and bring you the lowest rate and term we can find.
Expect the best rates and the quickest approval.
Building or rebuilding
A rough patch — a late stretch, a past repo, a bankruptcy that's discharged — doesn't take you out of the running. Several of our lenders specialize in exactly this, and every on-time payment helps rebuild your score.
A larger down payment or a co-signer can open up better terms, but neither is always required.
New to credit
First car, thin file, or no score yet? We work with first-time-buyer programs and credit unions that look at income and stability, not just a number.
Bring proof of income and proof of residence and we'll take it from there.
Clearing it up
What people assume vs. how it actually works
Financing a used car comes loaded with bad assumptions. Here are the four we hear most, and the real version.
Checking my rate will ding my credit.
Pre-qualifying is a soft pull. It doesn't touch your score and other lenders can't see it. The only hard inquiry comes later, on one specific car, and only with your say-so.
Bad credit means I'll just get turned away.
Several of our lenders exist specifically for rebuilding credit. A discharged bankruptcy or an old repossession doesn't end the conversation — it just changes which lender we start with.
The dealer picks whatever loan pays them the most.
Your application goes to multiple lenders at once, and we show you the offers that come back — the actual terms, side by side, so you choose.
I need a big down payment or a co-signer.
Both can improve your terms; neither is always required. We work with low-down and zero-down programs for buyers who qualify, and we'll run the scenarios with you.
Who we work with
One form, a network of lenders
We're not tied to a single bank. Your application goes to multiple lenders at once, and they compete for it — which is how you end up with a better rate than you'd get on your own.
lenders see your application from a single two-minute form. You pick the offer that comes back best.
FAQ
Financing questions
The ones we hear most. If yours isn't here, call (973) 928-6300 — no sales pitch, just a straight answer.
Worst case, you learn where you stand
See your number before you shop
Two minutes, a soft credit check, and no obligation.