Buy a Car With Confidence

Yes—we do, and it’s one of our strengths. At Your Automotive, we maintain strong relationships with leading banks, credit unions, and other trusted lenders. Whether your credit is excellent or needs some work, our team is committed to finding an auto loan that fits your situation. You can apply online anytime to get started and learn more about your options.

Often, yes. Because we work with multiple lenders, we’re frequently able to secure more favorable terms than a customer’s bank or credit union. And if we can’t improve on your current offer, we’re still happy to work directly with your lender. Want to see what’s possible? Submit a quick financing application and let us explore your options.

Yes. We regularly work with banks, credit unions, and other auto lenders. If you already have a pre-approval, we can coordinate with your lender—or, if you’d like, see if we can find an even better option for you.

In many cases, we’re able to arrange financing with little to no money down. However, down payment requirements vary depending on factors such as the vehicle, lender guidelines, and your credit profile. The best way to find out what’s required is to complete a short financing application, and we’ll review your options with you.

Applying is simple and starts with a brief online application. Once submitted, our team reviews your information and reaches out if anything additional is needed. We then submit your application to our network of carefully selected lenders, who compete to offer terms based on your profile. From there, we evaluate the available offers and help you choose the one that best fits your needs. You’re just a few clicks away from getting approved.

A larger down payment can sometimes help, but it’s only one of several factors that affect your interest rate. Your credit history, income, the vehicle itself, and loan structure all play a role. Depending on the situation, additional money down may or may not change the rate. Our finance team can review this with you after you apply.

We partner with a wide range of reputable national and local lenders, including well-known banks, credit unions, and specialized auto lenders. This includes options for buyers with strong credit as well as those with challenged credit. Our goal is to match every customer with a lender that fits their unique situation.

Yes. You can pay off your auto loan early at any time, and there are no prepayment penalties associated with doing so.

Interest rates vary based on several factors, including credit history, vehicle age, loan length, and overall loan structure. Rates can differ significantly from one customer to another. Because we work with multiple lenders, we’re able to help secure competitive rates based on your credit tier. To find out what rate may apply to you, simply complete our financing application.

The vehicle price remains the same whether you pay cash or choose to finance. When financing, interest costs should be considered as part of the total cost of ownership, but the selling price itself does not change based on payment method.