Connect with Local Dealers - Get Multiple Financing Options
Complete our simple online application and Get matched to the best local dealer for your situation with financing options. No dealership visit required. No obligation. Get multiple offers.
Instead of applying to multiple dealerships separately, submit one application and get matched to local dealers who specialize in your credit situation. Save time and avoid multiple credit inquiries.
No need to visit dealerships or make phone calls. Dealers will reach out to you directly with financing options tailored to your situation. You choose the best offer.
Our online application takes just 2 minutes to complete. Most applicants hear from dealers within 24-48 hours. No pressure, no waiting, no surprises.
Fill out our secure 2-minute application from any device. We only need basic information:
We match your application to local dealers who specialize in your situation:
Compare offers and move forward with your preferred dealer:
Full name, date of birth, address, phone, email
Employer name, position, income, length of employment
Monthly income, housing costs, other debts
Desired price range, vehicle type, down payment
You don't need these to apply, but dealers may request them to finalize your loan:
Recent pay stubs or tax returns
Utility bill or lease agreement
Valid driver's license
Once you choose a vehicle
Get an idea of your potential monthly payment before you apply
See exactly what you can afford based on your credit situation
Estimates shown for educational purposes only. Final approvals and rates are determined by the lender.
Your Estimated Monthly Payment
$309
per month for 60 months
Interest Rate
14.99%
APR
Loan Amount
$13,000
Principal
Total Interest
$5,552
Over 60 months
Total Cost
$18,552
All payments
Credit Score Improvement
After 5 years of on-time payments, your credit score could improve by 120+ points, reaching approximately 670!
Important: Rates and terms are estimates for educational purposes only. Actual rates may vary based on your complete financial profile and lender underwriting.
Example Scenario 1
500 Credit Score
$15,000 vehicle, $2,000 down, 60 months
→ $344/month
Example Scenario 2
550 Credit Score
$20,000 vehicle, $3,000 down, 60 months
→ $422/month
Example Scenario 3
600 Credit Score
$26,500 vehicle, $4,000 down, 60 months
→ $535/month
Example Scenario 4
525 Credit Score
$20,000 vehicle, $0 down, 60 months
→ $486/month
Your application is matched to local dealers who will review your information and contact you with financing options. Each dealer will provide offers based on your situation and their lending criteria. Over 95% of applicants receive at least one financing offer.
Dealers typically contact applicants within 24-48 hours of receiving the application. High-priority applications may receive contact within hours. Dealers will reach out via phone or email with financing options tailored to your situation.
Submitting your application does not impact your credit score. Dealers will review your information and may perform a soft inquiry initially. Only when you choose to move forward with a specific dealer and finalize your loan will a hard inquiry be performed.
Yes! We match applicants of all credit levels with dealers who specialize in their situation, including bad credit, no credit, bankruptcy, and more. Your financing options will be based on your individual situation, and most applicants receive at least one offer.
No! The dealers who contact you are local businesses who want to earn your business. You're free to choose the dealer and financing option that works best for you, or decline all offers if you're not satisfied.
No! Submitting your application through ConsumerAuto is completely free. There are no upfront fees, no hidden charges, and no obligation to accept any offers. You only pay when you finalize a loan with a dealer.
Important Disclaimer
Rates vary based on credit profile, vehicle age, and other factors. Advertised rates may not be available to all applicants. Final approval and terms are determined by the lender based on your individual situation, including credit history, income, down payment, vehicle selection, and loan term. All financing is subject to lender approval.
Connect with local dealers. Get multiple financing options. No obligation. Start your application now.
Start My ApplicationQuestions? Call: 1-888-660-8663