Financing
Eleven lenders. One soft pull.
You see every offer we receive, including the ones that pay us nothing. Pre-approval is good for 30 days and shows up as a payment cap on every listing.
Most people negotiate the price and accept whatever rate the desk offers. That's backwards: on a $35,000 car, three points of APR costs more than any discount you'll win on the sticker.
The term is the trap, not the rate. Eighty-four months makes any payment look affordable.
What we check
- A soft credit inquiry — no score impact, no hard pull until you accept an offer.
- Income and housing cost, to size a payment you'll still like in year four.
- Existing auto loan, if any — we'll quote the payoff and roll it in or not, your call.
Questions we get asked
Rate estimator
Credit score
Name
Email
Phone
6.9%typical APR
60-month new-car term
60-month new-car term
Two minutes, eleven lenders, no score impact.