Get Pre-Approved in Minutes
Home of the Easy & Fast Pre-Qualification. Fill out our secure online credit application and get pre-approved today. We work with all credit types.
Why Get Pre-Approved?
Fast Process
Get pre-qualified in minutes, not hours. No obligation.
Secure & Confidential
Your information is protected and kept strictly confidential.
All Credit Types Welcome
Good credit, bad credit, no credit — we can help get you approved.
No SSN Required to Start
Get pre-qualified with just basic information. No hard credit pull.
Save Time at the Dealership
Come in already pre-approved and drive home the same day.
Classic Car Financing Available
We also offer financing for classic and collector cars through our partnership with J.J. Best. Ask us about classic car financing options!
Learn About Classic Car FinancingCredit Application
Fill out the form below and we'll get back to you within 24 hours.
Understanding Your Credit Score
Your credit score is one of the biggest factors in getting approved for an auto loan and determining your interest rate. But here's the good news — you don't need a perfect score to get behind the wheel.
Video Coming Soon
We're putting together a short video guide that walks you through everything you need to know about credit scores and car buying. Check back soon!
What Is a Credit Score?
A credit score is a three-digit number (typically between 300 and 850) that tells lenders how likely you are to repay borrowed money. It's calculated from your credit history — things like payment history, how much you owe, how long you've had credit, and the types of credit you use. The higher your score, the more options and better rates you'll typically qualify for. But a lower score doesn't mean you can't get a car — it just means we may need to work with different lenders to find the right fit.
Credit Score Ranges
Best rates, widest lender options, fast approvals
Great rates and terms, most lenders will compete for you
Solid rates, most lenders will approve you
You can still get approved — we work with specialized lenders
Tougher but not impossible — we help people rebuild here every day
The Three Credit Bureaus & Score Ranges
Most lenders check your score from one or more of these three major bureaus. Each may show a slightly different number, but the ranges below are what they all use.
| Bureau | Score Range | Good Credit | Bad Credit |
|---|---|---|---|
EQEquifax | 300 – 850 | 670 – 850 | 300 – 579 |
EXExperian | 300 – 850 | 670 – 850 | 300 – 579 |
TUTransUnion | 300 – 850 | 670 – 850 | 300 – 579 |
Good Credit (670+)
Lower interest rates, more lender options, smaller down payments, and faster approvals.
Fair Credit (580–669)
You can still get approved. We work with specialized lenders who understand your situation.
Bad Credit (Below 580)
Tougher but not impossible. We help people rebuild credit and get approved every day.
Good vs. Bad Credit at a Glance
Where you fall on this scale determines your loan terms. But remember — we approve customers across the entire range.
Good Credit (670+)
- Lower interest rates (often under 7%)
- More lenders competing for your loan
- Lower or zero down payment options
- Longer loan terms available
- Faster approval process
Bad Credit (Below 580)
- Higher interest rates (often 15%+)
- Fewer lender options
- Larger down payment may be required
- Shorter loan terms
- But: We specialize in helping you get approved and rebuild your credit!
Why Your Credit Score Matters for Auto Loans
Your credit score directly affects three things when buying a car:
1. Interest Rate
A higher score can mean a lower interest rate, which saves you hundreds or thousands over the life of the loan.
2. Loan Amount
Better scores typically qualify for larger loan amounts, giving you more vehicle options to choose from.
3. Down Payment
A strong score may reduce or eliminate the need for a large down payment, making it easier to drive home today.
Here's the truth: Even with a low score, you can still get approved. We work with lenders who specialize in bad credit and first-time buyer loans. The most important step is applying — let us find the right lender for your situation.
Tips to Improve Your Credit Score
Pay on Time, Every Time
Payment history is the biggest factor (35%) in your score. Even one missed payment can drop your score significantly.
Keep Balances Low
Try to use less than 30% of your available credit. Maxed-out cards signal risk to lenders.
Don't Close Old Accounts
The age of your credit accounts matters. Keeping older accounts open helps your score over time.
Limit New Applications
Each credit application can cause a small dip. Avoid applying for multiple cards or loans at once.
Check Your Credit Report
You can get a free report from each bureau annually at AnnualCreditReport.com. Dispute any errors you find.
Consider a Co-Signer
If your score is low, a co-signer with stronger credit can help you get approved and build your credit history.
Ready to See What You Qualify For?
No matter where your credit stands, our finance team is ready to help. Get pre-qualified in minutes with no obligation and no hard credit pull.
Start Your ApplicationFinancing FAQ
Do I need perfect credit to get approved?
No! We work with all credit types — good credit, bad credit, no credit, and first-time buyers. Our finance team works hard to find a solution for everyone.
How long does the pre-approval process take?
Most pre-qualifications are completed within minutes. Once you submit your application, our finance team will contact you within 24 hours.
Is there any obligation?
None at all. Getting pre-approved simply tells you what you qualify for. There's no commitment to purchase.
What documents do I need?
Typically you'll need a valid driver's license, proof of income (pay stubs), proof of residence, and proof of insurance. We'll guide you through everything.
Can I finance a classic car?
Yes! We offer classic car financing through our partnership with J.J. Best. Ask us about our classic car financing options.