Financing and credit center
Financing that makes sense
Know your budget and your rate before you shop. Our finance team works with national banks and local credit unions to find you a competitive offer, whatever your credit story.
- No impact to your credit score
- No Social Security number needed
- About five minutes
Your options
Loan, lease or your own lender
There is no single right answer. Here is how the main ways to pay for a vehicle compare.
Auto loan
Own the vehicle outright once the loan is paid. Drive as many miles as you like and customize it however you want.
- Build equity with every payment
- No mileage limits
- Terms from 24 to 84 months
Best for drivers who keep vehicles for years
Lease
Lower monthly payments on new vehicles, with the option to buy at the end or simply hand back the keys and upgrade.
- Lower monthly payment
- Always under factory warranty
- Typically 10,000 to 15,000 miles a year
Best for drivers who like something new every few years
Your own financing
Already approved by your bank or credit union? Bring it in. We will happily use it, or try to beat the rate.
- Use any lender you trust
- We can try to beat your rate
- Cash buyers welcome
Best if you already have an approval in hand
| Loan | Lease | |
|---|---|---|
| Monthly payment | Higher | Lower |
| Ownership | You own it at the end | Return, extend or buy it out |
| Mileage | Unlimited | Annual limit, usually 10k to 15k |
| Customization | Anything you like | Limited |
| Available on | New and pre-owned | New vehicles |
| Credit tier | Score range | APR from |
|---|---|---|
| Excellent | 720 and above | 5.99% |
| Good | 660 to 719 | 7.49% |
| Fair | 600 to 659 | 10.99% |
| Rebuilding | Below 600 | 15.99% |
Rates shown are estimates for well-qualified buyers on used vehicles and vary by lender, term, vehicle age and credit history. Subject to credit approval.
Calculators
Plan your payment
Estimate a monthly payment for any price, or work backwards from the payment that fits your budget.
660 to 719 credit score. Estimated APR from 7.49%.
Estimated monthly payment
$589/mo
for 72 months at 7.49% APR
- Vehicle price
- $35,000
- Est. tax and fees
- +$2,588
- Down payment
- -$3,500
- Amount financed
- $34,088
- Total interest
- $8,336
- Total of payments
- $42,423
Estimate only. Your actual rate and payment depend on credit approval, lender terms and final taxes and fees.
How pre-approval works
From application to keys in four steps
Apply online
Five minutes, no Social Security number and no impact to your credit score.
Get your options
Our finance team shops your application with national banks and local credit unions.
Pick your vehicle
Shop knowing your real budget and the rate you qualify for.
Sign and drive
Review everything with us in person, sign and take your keys home.
Ready to see what you qualify for?
Secure application. No Social Security number. No impact to your credit score.
Questions