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Get started with quick credit options tailored to your budget.

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We’re the credit specialists.

(It’s even in our name!)

Trust and transparency.

We’re happy to answer every question you have. Our process is transparent — working directly with trusted regional banks.

Fast and affordable.

Use our payment calculator for estimates. Search cars by affordability. Or, apply online for nearly instant credit decisions.

Tailored to you.

We work to help all customers with their financing needs — regardless of income, credit history or current loan situation.

Get credit approval.

Any questions? Call us at 888-305-5968.
Any questions? Call us!

Tips for First-Time Buyers

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.

  • Make sure your car monthly payment will fit comfortably within your overall monthly income.
  • Use our affordability search to find cars in your price range.


Increase your down payment.

  • Increasing your down payment is likely to help with loan approval as a first-time car buyer.
  • A higher down payment can lower your monthly payment.
  • The more you put down, the less money you will be borrowing.


Maximize your trade value.

  • Consider any existing loan or pay-off amounts that would affect your total trade value.
  • Find out the trade value of your car.

Credit Lingo & Definitions

Amount Financed

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.

Annual Percentage Rate (APR)

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.

Credit Report

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.

Credit Score

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.

Down Payment

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.

Interest Rate

The yearly cost of your loan not including fees or other charges.

Loan Term

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.

Finance the best carfor your budget.

Shop smarter.

Find out your trade value — or explore our cars below!