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
Email Address
Zip Code   
Service available in the USA and Canada

Consumer Comments

"I have to say that our sales person was down to earth and a pleasure to deal with. Our finance person was very warm and caring. She worked very hard to get me approved for the new car. So, thank you!"
B. Kniaz, Warren

"Very professional."
S. Austin, Detroit

They were great. I will recommend friends and family! Thanks"
L. Plummer, Southgate

Frequently Asked Questions

Will inquiries lower my credit score?
According to privacyrights.org multiple inquiries to automobile lenders within a short period of time generally count as a single inquiry and should not lower your score.

I have no credit history, can I get pre-approved?
Yes! AutoImprove.com has first time buyer programs for people with no credit history.

on lot financing
Used Cheap Cars for Finance