What credit score do I need to get approved?
Most lenders approve borrowers with scores of 620+, but options exist for all credit levels. Rates and terms vary based on your credit profile, income, and down payment.
Does checking my rate affect my credit score?
Pre-qualification typically uses a soft pull, which doesn't affect your score. A hard inquiry only happens when you formally apply for the loan.
How much should I put down?
A 20% down payment is ideal — it reduces your monthly payment, gets you better rates, and helps avoid being upside-down on the loan. But many lenders accept 10% or less.
Can I get financed for a used vehicle?
Absolutely. Used vehicle financing is available for most vehicles up to 10 years old. Rates may be slightly higher than new vehicle loans but the overall cost is typically lower.
How long does pre-approval take?
Most pre-approvals are instant or take just a few minutes. You'll get a rate, loan amount, and monthly payment estimate right away.