Finance Application

There are 2 paths to financing.

One is a personal loan the other is an auto loan.

If the car is too old/inexpensive/too many miles, you cannot do an auto loan, you can apply for a personal loan (or use a credit card). See more details below. 


 

If any of the conditions apply below: 

Finance less than $2500?

Car has over 120k miles?

Car is older than 2000? 

Car price is less than ~$3500?

then do not proceed with the regular auto loan. Cars that old/high miles/low price cannot be financed easily. If your credit score is above ~600 you can apply with Upstart or Sofi directly for a personal loan and not the auto loan. We generally recommend just using a credit card, as it is by far an easier option. But if you want to try, here are the 2 companies for personal loans. You'll be working with them directly, not with us for financing. 


FOR ALL OTHER APPLICANTS: 

We use a credit union for auto loans. You will be applying/working directly with them. So call them with questions/commenets/concerns. 
* YOU MUST BE A CA RESIDENT W/ A CA DRIVER LICENSE TO APPLY *

 

Most of the time:

1) You need 25-35% down
2) Approvals take 3-4 business days (YES THEY ARE SLOW)
3) You have to be able to prove income (check stubs or tax returns)
4) You cannot have any open collections or really horrible credit

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You can also pay with a credit card.

If you have ~35% cash, you can swipe up to $5000. Small additional costs apply!