Financing, without the finance office

How it works

• Tell us what you are looking for and roughly what you want to put down
• We work out what that means in practice, on the vehicle you actually want
• An application goes to lenders, and the terms that come back are the terms

Nothing is signed until you have seen the total cost across the full term, not just the figure per month.

What affects your terms

Five things do most of the work: your credit tier, the size of your down payment, the length of the term, the age and mileage of the vehicle, and how stable your income and address look on paper. Only the first of those depends on your credit score, and the second is entirely in your hands on the day.

Our guide to financing a used car with imperfect credit goes through each of them, along with the difference between a pre-qualification and a full application.

Why there is no rate on this page

Rates and approvals come from lenders, and they depend on your circumstances and on the specific vehicle. Any number printed here in advance would be marketing rather than information, so we would rather talk it through and tell you something true.

Call (724) 658-1212 and ask, including the awkward questions.