Financing Guide
Financing, in plain English.
Used car financing doesn't have to be confusing. Here's what actually matters when you're getting approved.
What lenders look at
Credit score, income, employment history, and the loan-to-value of the car. You don't need perfect credit — most of our buyers don't have it.
APR vs. monthly payment
A lower monthly payment usually means a longer loan and more interest paid overall. We help you find the balance that fits your life.
What to bring
Driver's license, proof of income (recent pay stubs), and proof of residence. That's it for most pre-approvals.
Tips to get approved
A small down payment, a co-signer, or a longer term can all help. Avoid new credit inquiries in the 30 days before applying.
Try the payment calculator
See estimated monthly payments and get pre-approved in minutes — no credit score impact.