Financing
Financing, minus the mystery.
We work with buyers across the credit spectrum. Estimate a payment below, then talk to our finance team — the paperwork happens in person, with no surprises.
Payment calculator
Estimated monthly payment
$
For illustration only. Your actual rate and terms depend on credit, lender, and vehicle — this is not an offer or quote.
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
Talk to our finance team
Call or visit — we'll walk through lender options and terms that fit your budget. About 30–45 minutes.
03
Sign & drive
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 · 4934 E Broadway Blvd, Tucson, AZ