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 never had such a pleasant experience purchasing a car. They were most courteous and professional. I will return in five years! Thank you for making it painless, pleasant and most of all hassle free!"
C. Lopez, Wyandotte

"The service was excellent. Everything happened so fast. I applied online and two days later I was driving in my new car. Our finance person was very helpful and thorough. I am quite impressed with your company’s level of customer service. Please feel free to contact me."
L. Estelle, Lithonia

"I have already referred a co-worker to the dealership and he is getting a jeep tomorrow."
L. Muscott, Alma

Frequently Asked Questions

Can I use s cosigner?
A cosigner may be considered for a person that does not meet all the credit guidelines. The income of the primary applicant, however, has to meet the guidelines since they will be repaying the loan.

I've had a repo. Can I get pre-approved?
If the repo was included in a discharged bankruptcy you would still qualify. if it was not chances are you would need money down. Visit our credit application page for the more guidelines.

on lot financing
Used Cheap Cars for Finance