Often, yes. Our finance teams work with a wide range of lenders, including ones that specialize in rebuilding and first-time credit. A past bankruptcy, repossession, or a thin file does not automatically disqualify you. Bring proof of income and residence and we will see what we can put together. The fastest way to find out is to submit a credit application at your store.

Submitting a full credit application is a hard inquiry, which can have a small, temporary effect on your score. When several lenders pull your credit for the same auto loan inside a short window, the credit bureaus generally count it as a single inquiry, so shopping your loan through us does not stack up multiple hits. Ask your finance manager before you apply if you have questions.

Have your driver license, proof of income such as recent pay stubs, and your current address and employment information ready. If you have a trade-in, details on that vehicle help too. The online application walks you through each field, and your finance manager will let you know if anything else is needed.

It helps. Applying early tells you what you can comfortably afford and what your rate and payment look like before you fall for a specific vehicle. That makes the time at the dealership shorter and the numbers clearer. Pick your store above and start the application whenever you are ready.

Absolutely. If you already have financing lined up through your bank or a local credit union, bring it in and we will work with it. We can also compete that offer against our lender network to see if we can match or beat the rate. The goal is the best deal for you, wherever it comes from.

Yes. Each store above links straight to its own finance department page and secure credit application. Choose Apply for Financing to go directly to that store’s application, or Finance Department to read how their team works first. Not sure which store? Start with the brand of the vehicle you want.