Sample Car Loan Rates
Example rates for a $10,000 vehicle loan. Your actual rate depends on credit, income, and other factors.
*Rates shown are examples only. Actual rates vary based on creditworthiness and other factors. OAC.
What Affects Your Car Loan Rate?
Understanding these factors can help you get the best possible rate on your car loan.
Credit Score
Higher scores typically qualify for lower rates. We help all credit levels.
Down Payment
A larger down payment can lower your rate and monthly payment.
Loan Term
Shorter terms usually have lower rates but higher monthly payments.
Vehicle Age
Newer vehicles often qualify for better rates than older ones.
Income Stability
Steady employment history can help you qualify for better rates.
Debt-to-Income
Lower existing debt relative to income improves your approval odds.
How to Apply for a Car Loan
Our simple application process gets you from start to approval in minutes.
Complete the Pre-Qualification Form
Fill out our simple online form with basic information about yourself and what you're looking for. This takes about 3 minutes and uses a soft credit check.
Review Your Options
Our team reviews your application and matches you with the best lenders for your situation. We'll present you with financing options that fit your budget.
Submit Documents
Provide proof of income, ID, and address. You can upload documents securely online or bring them to our office.
Get Approved & Choose Your Car
Once approved, browse our inventory of quality vehicles and pick the one you want. We handle all the paperwork so you can drive away happy.
Benefits of Getting Pre-Approved
Know Your Budget
Understand exactly how much you can afford before you start shopping.
Negotiate with Confidence
Having financing secured puts you in a stronger position when choosing a vehicle.
Faster Purchase
Skip the waiting at the dealership. Your financing is already arranged.