How do I apply for vehicle financing on GotMotos?

Complete the financing application on the GotMotos Financing page. The form takes approximately 2 minutes and connects your information to multiple lenders. You will receive rate offers before committing to any lender.

Can I get vehicle financing with bad credit through GotMotos?

GotMotos works with lenders who specialize in all credit profiles, including buyers with scores below 600. Approval rates are higher when a down payment is offered. The financing application shows you real rate offers based on your actual profile.

Does applying for financing on GotMotos affect my credit score?

The initial financing application on GotMotos uses a soft credit inquiry that does not affect your credit score. A hard inquiry only occurs when you formally select a lender and complete the full loan application.

Can I finance a motorcycle or ATV through GotMotos?

Yes. GotMotos financing covers motorcycles, ATVs, RVs, and traditional vehicles. Powersport loans typically require a slightly larger down payment than standard automobile loans.

What is the minimum credit score to finance a vehicle through GotMotos?

There is no minimum credit score requirement to apply through GotMotos. Lenders evaluate income, employment history, and down payment amount alongside credit score. All applications are reviewed individually.

Vehicle Financing — Pre-Approved in 2 Minutes

Financing Options

Multiple paths to get behind the wheel — find the one that works for you.

Bank & Credit Union Loans

Traditional auto loans from banks and credit unions. Often the best rates for buyers with good credit. Pre-approval available.

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Dealer Financing

Finance directly through the dealership. Convenient one-stop process with multiple lender options and promotional rates.

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Refinancing

Already have a car loan? Refinance to a lower rate and save hundreds per year. No obligation to check rates.

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Frequently Asked Questions

Common questions about auto financing

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.

Disclaimer: GotMotos is not a lender and does not make credit decisions. Payment and rate figures shown are estimates for illustration only and are not an offer or guarantee of credit. Actual APR, term, and approval depend on the lender and your credit profile. Checking pre-qualification does not affect your credit score.

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