Get started with quick credit options tailored to your budget.
(It’s even in our name!)
We’re happy to answer every question you have. Our process is transparent — working directly with trusted regional banks.
Use our payment calculator for estimates. Search cars by affordability. Or, apply online for nearly instant credit decisions.
We work to help all customers with their financing needs — regardless of income, credit history or current loan situation.
Here are some financing tips for first-time car buyers. If you have a low credit score — or little credit history — you may also find these things helpful, too!
Know your budget.
Increase your down payment.
Maximize your trade value.
The amount of the credit provided to a buyer. For example, if you make a $1,500 down payment on a car with the total cost of $20,000 — then $18,500 is the amount financed.
The cost of financing your vehicle, including fees and interest, expressed as a yearly rate. APRs are helpful when comparing loan options because APRs include the total cost of financing.
A document that includes information on where you live, how you pay your bills and whether you have been sued, or have filed for bankruptcy.
A numerical value based on an analysis of a person’s credit files that represents the creditworthiness of the person. Generally the higher your credit score will be, the better your loan terms will be.
A person to assume the responsibility of the auto loan with you. A co-signer can help secure a better interest rate on a loan and also help with the bank’s decision on granting the loan that you request.
The initial amount a buyer pays to reduce the amount financed.
The amount of money that the lending bank collects throughout the term of your loan.
The yearly cost of your loan not including fees or other charges.
The length of time you have to pay off your entire auto loan. Usually, a borrower makes monthly payments until the term reaches maturity or the loan is paid off.
The balance of your auto loan without interest included.