Financing
Financing, minus the mystery.
We work with buyers across the credit spectrum. Estimate a payment below, then apply online in about 5 minutes — no surprises, no obligation.
Payment calculator
Estimate your payment
Every number here is yours to change. Taxes and fees start from our current Arizona figures — the exact amounts are set in your closing paperwork.
Your trade-in
In Arizona a trade-in reduces the amount you're taxed on, so it saves you more than its sticker value. Get a real offer on yours.
Taxes & fees
Optional extras
- Vehicle price
- $
- Trade-in credit
- −$
- Sales tax (on $)
- $
- Fees & extras
- $
- Out-the-door total
- $
- Down payment
- −$
- $
- Amount financed
- $
- Interest over months
- $
- Total you'd pay
- $
Your down payment and trade cover the whole thing — nothing left to finance.
An illustration, not a financing offer. Your actual rate depends on credit approval, and taxes and fees are finalized in your paperwork. Apply to see real numbers.
How it works
01
Pick your car
Find the right vehicle online and reserve it with a refundable hold if you want it waiting for you.
02
Apply online
A secure 5-minute application. Our finance team matches you with lender options — typically within 15–30 minutes during business hours.
03
Sign & drive
Final paperwork is completed at the dealership. Most buyers drive home the same day.
What to bring
- Valid driver's license
- Proof of income (recent pay stubs)
- Proof of residence (utility bill or lease)
- Proof of insurance
- Down payment
- References (some lenders ask for 2–3)
Good to know
I'm a first-time buyer. Can I finance?
Yes — several of our lenders have first-time-buyer programs. A steady income and a reasonable down payment go a long way; a co-signer can help too.
Does applying hurt my credit?
Lender applications use a hard inquiry, which typically affects a score by only a few points. Multiple auto-loan inquiries within a short shopping window are usually scored as one.
What credit score do I need?
There's no single cutoff. Rates improve with credit, but we work with buyers across the spectrum — including rebuilding credit.
Can I pay cash or use my own bank?
Absolutely. Outside financing and cash are always welcome — the price is the same either way.
How big a down payment do I need?
10% is a good rule of thumb, but it varies by lender and vehicle. More down means a lower payment and better approval odds.
Talk to the finance team
Mon–Sat 9:00am – 5:30pm · 890 W Grant Rd, Tucson, AZ, 85705