Used Car Financing, we finance on the lot
Used Vehicle Finance

Used Car Financing & New Car Shopping
New Car Shopping

Car Financing Calculator

To use the car financing payment calculator properly you will have to estimate your interest rate.

Interest rates vary widely based on the following

Credit Rating
It stands to reason that the better your credit score is the lower your rate will be when compared to a people with worse credit scores.

Age and Mileage of the Vehicle
New cars have the best rates possible. For used cars the rate increases with the age of the vehicle. With some lenders it also increase for high mileage cars.

Equity Position of the Loan, aka Loan to Value
The loan to value ration or equity position is defined as the amount borrowed divided by the value of the vehicle. For used cars the value is based on the NADA or Kelley Blue Book value, for new vehices it is the invoice or MSRP amount. In other words if you put more money you put down or you buy your vehicle at the low price the lower the interest rate should be.


Take the next step. Get pre-approved for a new or used car loan.

Begin Our Application
First Name
Middle Initial
Last Name
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Service available in the USA and Canada

Consumer Comments

"He was very helpful in closing this loan! Quick and easy. Thanks for the help."
C. Hulsey, Snellville, GA

"I would like to personally thank them for their outstanding work. Their kindness and patience will never be forgotten!"
I. Jefferson, Cleveland, OH

"The finance manager and his assistant were helpful, nice and quickly arranged the financing."
B. Mika, Bay City

Frequently Asked Questions

Will I need money down?
Money down is not always necessary. We recommend that you use a down payment that you are comfortable with. Money down not only reduces your monthly payment but it may have an effect on your interest rate. More money down means less risk to the lender, less risk normally equates to a lower interest rate.

on lot financing
Used Cheap Cars for Finance