How It Works
Get connected with lenders in four simple steps
Learn what happens after you submit an application.
Complete the Application
Complete the online application from any device. We ask for basic information about your budget, vehicle preference, employment, and contact details.
⏱️ Timeline: Start online
- Online application
- Basic work, income, and contact details
- Mobile-friendly application
- Save and resume anytime with auto-save
We Review Your Application
We review your application and available lender options. Options and terms depend on your application and lender requirements.
⏱️ Timeline: Most applications are reviewed within 24 hours on business days
- Individual application review
- Options may vary by lender
- Terms are explained before you decide
- Questions can be reviewed with our team
Receive Your Decision
We will contact you by phone or email with the result of the review. If options are available, we will explain the terms and next steps.
⏱️ Timeline: Timing can vary if more information is needed
- Review within 24 hours on business days
- Available options explained when approved
- Ask questions before you decide
- Team support for next steps
Choose Your Vehicle
If approved, review available inventory and discuss a vehicle with the dealership. Paperwork and timing depend on the vehicle and the next steps.
⏱️ Timeline: Timing depends on the vehicle and dealership scheduling
- Available inventory can change
- Ask about a specific vehicle
- Vehicle details vary
- Paperwork and timing are explained by the dealership
Common Questions About the Process
Clear answers before you apply.
When will I hear back?
Most applications are reviewed within 24 hours on business days. Timing can vary if more information is needed.
Is approval guaranteed?
No. Each application is reviewed individually. Available options depend on the applicant, vehicle, and lender requirements.
Will a credit inquiry be needed?
A credit inquiry may be part of the lender review. Your credit manager can explain the next steps for your application.
What Are The Possible Outcomes?
After we review your application, you will receive one of these three outcomes
Approved
You receive a financing offer with specific terms, interest rates, and monthly payment amounts. You can proceed to choose your vehicle from available inventory.
Conditionally Approved
You're approved pending additional documentation (proof of income, residence) or a larger down payment. Our team will contact you with specific requirements.
Not Approved
Your application doesn't meet current lending requirements. We'll provide feedback on why and suggest specific steps to improve your eligibility for future applications.
Important Information
- All applications are reviewed individually - approval is not guaranteed
- A credit inquiry may be part of lender review
- Most applications are reviewed within 24 hours on business days. Timing can vary if more information is needed.
- Business days are Monday through Friday, 9 AM to 8 PM Eastern Time
24-Hour Review
Most applications reviewed within 24 hours on business days
Bad Credit Specialists
Lenders who understand challenging credit situations
Individual Review
Available rates and terms depend on the application and lender review