Financing
Get pre-qualified in about two minutes.
Find out what you can expect to be approved for before you visit. The form takes about two minutes, does not ask for your Social Security number or date of birth, and does not involve a credit check.
- No Social Security number and no credit check
- We match you with cars that fit your payment
- One secure credit application, only when you are ready to buy
How pre-qualification works
- 1Fill in the short formYour credit range, income, time at your job and planned down payment. That is all.
- 2Hear what to expectWe reply by call, text or email with what you can expect to be approved for.
- 3Shop with a number in mindWe match you with cars that fit your payment. The full application happens only when you buy.
Estimate your payment
Try a price, down payment and term. This is an estimate to plan with; your actual rate depends on your credit and the lender.
What the form asks for
- Your best estimate of your credit range
- Monthly income before taxes
- How long you have been at your current job
- How much you plan to put down
What it never asks for
- Your Social Security number
- Your date of birth
- Bank account details
- Permission to check your credit
Every credit history is welcome
First-time buyers
No credit history yet? Tell us about your income and job, and we will tell you what to expect.
Rebuilding credit
Lenders work with a wide range of credit histories. We will be honest about the options before you visit.
Strong credit
Know your rate range going in, and shop with a firm budget and a larger choice of cars.
Financing questions
Do I need a Social Security number to get pre-qualified?
No. Pre-qualification uses your credit range, income and planned down payment. The full credit application happens when you are ready to buy.
Does pre-qualifying affect my credit?
Our pre-qualification form does not ask for your Social Security number, so it does not involve a credit check. A credit check happens only when you complete the full application to buy.
How accurate is the monthly payment estimate?
It is a starting point. It assumes 10% down over 72 months at the rate shown on each car. Your actual rate depends on your credit, the lender and the term you choose.
What if my credit is not perfect?
Tell us where you stand. Lenders work with a wide range of credit histories, and we will tell you honestly what to expect before you visit.
How much should I put down?
As much as is comfortable. A larger down payment lowers your monthly payment and the interest you pay over the loan. The estimates on our site assume 10% down.
More answers on the questions page, or read how buying with us works.