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
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Last Name
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Service available in the USA and Canada

Consumer Comments

"He was very helpful, open and honest. He made me understand my investment and explored different options with me. He is very knowledgeable and went out of his way ton help me. Thanks!"
R. Johnson, Southfield

"You guys came through for me. I now bought my first vehicle without excellent credit and so did my friend. Thank you!"
D. Huff, Saginaw

"Best service I have ever had at a dealership. We shopped at 2 other dealers and had lousy service. We will be coming back ."
S. Young, Sterling Heights

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