Soft pull. No impact to your credit score.
Finance your next car in minutes, not days.
Tell us what you're shopping for and how you'd like to pay for it. We match your application to lenders that actually work with your credit profile — no dealership gauntlet, no fee to apply.
- 60 sec
- Pre-qualification
- $0
- Fee to apply
- All credit
- Profiles welcome
Soft pullNo score impact
SecureEncrypted submission
Two ways to start
Know exactly what you're sharing before you share it.
Both paths are free and neither one commits you to a loan. The only real difference is how much of your file a lender gets to see.
Soft pull only
Pre-qualification
A quick estimate of what you could be approved for. Nothing touches your credit score.
Start pre-qualification- Your name and contact details
- The type of car and rough budget
- Income range and credit range
- No SSN, no employer, no documents
- Best if you are still shopping and want to know your range first.
Complete application
Full credit application
Everything a lender needs to make a real decision. The fastest route to a signed deal.
Start full application- Your name, address and date of birth
- Employment, employer and monthly income
- Housing payment and last 4 of your SSN
- Credit range and the vehicle you want
- Best if you are ready to buy in the next few days.
Not sure which to pick? Start with pre-qualification. You can move up to the full application at any time.
The process
Three steps. No showroom lap.
Most applicants finish pre-qualification before their coffee gets cold.
01
Tell us what you drive
A minute of basics: who you are, the kind of vehicle you want, and the budget you have in mind.
02
See your range
A soft pull gives us enough to estimate your terms. Your credit score is untouched, and nothing is final.
03
Go get the car
Pick the vehicle and we take it from there — lender packet, paperwork, and a specialist on the phone.
Deals worth financing
Late-model pre-owned, priced to move.
Certified pre-owned 2024 and 2025 units from Cronin Auto Group in Harrison, Ohio. Prices include doc fees. Estimated payments assume 72 months, 10% down, 9.5% APR, and vary with credit, term, and taxes.
Questions
Straight answers,
before you apply.
Does pre-qualification hurt my credit?
No. Pre-qualification uses a soft credit pull, which is visible to you but never affects your score and is not seen by other lenders. A hard inquiry only happens later, after you accept a specific offer and give written permission.
What's the difference between pre-qualifying and the full application?
Pre-qualification asks for the basics — contact details, vehicle preference, income range, credit range — and gives you an estimate. The full application adds your address, employment history, income, housing payment, and the last four digits of your SSN, which is what a lender needs to make a real decision.
Do I need a down payment?
Not always. Some programs approve qualified buyers with little or nothing down, though a down payment usually lowers your rate and monthly payment. You can tell us what you have in mind and we work from there.
Can I apply with bad credit or no credit?
Yes. We work with lenders whose programs cover the full credit spectrum, including first-time buyers, rebuilt credit, and past bankruptcies. Being honest about your credit range gets you a more accurate estimate up front.
What happens after I submit?
Your application goes straight to our finance team. A specialist reviews it, confirms anything that is unclear, and follows up with your options — usually within one business day. There is no fee and you are never obligated to take an offer.
Payment calculator
Run the numbers before you apply.
Move the rate, term, and down payment to see how each one changes the monthly. Nothing here is a credit check.
$
$
11% of the vehicle price down
8.50%
0%24%
Term
Months
Estimated payment
$444/mo
- Amount financed
- $25,000
- Total interest
- $7,001
- Total of payments
- $32,001
Estimates only. Taxes, title, registration, and dealer fees are not included, and your actual rate depends on your credit profile and lender program.
Get my real rateYour next car is one short form away.
Free to apply, soft pull on pre-qualification, and a real person on the other end.