We use a special credit union for loans
Most of the time:
1) You need 25-35% down
2) Approvals take 1-2 business days
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
5) If trying to finance an old car/car below $3k, it'll be a personal loan at ~20% APR
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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!