05 / FINANCING
Three routes, no smoke
We are not a lender and we do not pretend to be one. We work with three funding routes, tell you which one fits your file, and put the numbers in writing before you commit to anything.
3 PROGRAMMES · THIRD-PARTY LENDERS
FIN-A
Bank & credit union
PROGRAMME
We work with three lenders who finance 2005-and-newer units from 60 to 84 months. You leave with an approval letter, not a promise.
RATES FROM 6.9% APR · 10% DOWN · TERMS TO 84 MONTHS
FIN-B
Credit-challenged programme
PROGRAMME
A second-tier panel that looks at the last twelve months rather than the last seven years. Larger down payment, shorter term, no games.
DOWN FROM 20% · TERMS TO 60 MONTHS · COSIGNER OPTIONAL
FIN-C
Cash, wire, certified funds
PROGRAMME
Bank wire, certified cheque or cash at the counter during business hours. We do not take deposits before you have seen the inspection sheet.
NO DEALER DOCUMENTATION FEE ON CASH PURCHASES
PROCESS
How it actually goes
4 STEPS
-
01
Pick the unit
Financing is arranged against a specific car, so start with the stock number. Terms change with age and mileage, not with the colour.
-
02
Send the basics
Call or email: name, the unit, roughly how much you want to put down and whether you have a co-signer. We tell you which of the three lenders to approach.
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03
Application with the lender
The application goes to the lender — in the showroom, or online with them directly. We do not take credit applications on this website and we never ask for documents by email.
-
04
Approval and paperwork
You leave with an approval letter stating the amount, the term and the APR. Then the title work, the tag and the delivery date are set in one sitting.
Typical term
60–84 months
Minimum down
10 %
Approval window
48 hours
Dealer doc fee
$0
on cash purchases
CHECKLIST
What to bring
5 ITEMS
- Government photo ID and proof of Florida residency
- Last two months of income evidence (or a bank statement showing reserves)
- Proof of insurance on the unit, effective from the day of delivery
- Current payoff letter if you are trading a financed car
- Cash down payment or a certified cheque — we do not take card payments over the phone
READ THIS BEFORE YOU APPLY
- Rates quoted anywhere on this site are examples, not offers. Your APR depends on the lender, the vehicle age, the term and your credit file.
- We do not run credit checks ourselves and we do not charge an application fee. The lender decides, and we cannot override a decline.
- We do not ask for Social Security numbers, bank logins or document photographs by email. Anyone who does while claiming to be us is committing fraud — call +1 (555) 010-4270 to check.
- Every applicant is treated the same regardless of race, colour, religion, national origin, sex, marital status, age or because income comes from public assistance, as required by the Equal Credit Opportunity Act.
FINANCING / ENQUIRY
Ask which route fits your file
Tell us the unit and the down payment you have in mind. We will tell you which lender to approach, what they will ask for, and whether the deal is worth doing at all at your budget.
Answer in under four business hours, from the person who inspected the car.