- (469) 606-3627
- 1703 Capital Avenue, Plano, TX 75074
- Closed·Opens tomorrow at 09:00 AM
Don't let credit
hold you back.
Good credit, bad credit, first-time buyer — it doesn't matter. We work with multiple lenders to find you a payment that fits your budget, not theirs.
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Four steps. That's it.
We've simplified auto financing so you spend less time in paperwork and more time behind the wheel.
Browse our inventory
Find a vehicle you love from our inspected, competitively-priced inventory. Every car has a full disclosure — no surprises.
Submit a quick application
Takes about 5 minutes. We only need basic info — your SSN is never stored and is sent directly to lenders over an encrypted connection.
We shop rates for you
Your application goes to multiple lenders simultaneously. They compete for your business, which means better rates for you.
Sign and drive
Once approved, we handle the paperwork. You review the terms, sign, and drive home — often the same day.
Common questions
Straight answers — no fine print, no runaround.
Will applying affect my credit score?
The initial pre-approval uses a soft inquiry, which does not impact your credit score. A hard inquiry only happens when you choose to finalize a loan — and we always ask first.
I have bad credit / no credit. Can I still get approved?
Yes. We work with lenders who specialize in all credit situations — including first-time buyers, bankruptcies, and rebuilding credit. Your situation is not unique to us, and we're here to help.
How long does the approval process take?
Most decisions come back within minutes. In some cases it may take a few hours if additional documentation is needed, but same-day approvals are the norm.
What documents do I need?
Requirements vary by lender and situation. To get started, all you need is some basic personal information. Our finance team will let you know if anything additional is needed after your initial application.
Can I get pre-approved before choosing a vehicle?
Absolutely. Getting pre-approved first lets you know your budget before you shop, so there are no surprises. It also speeds up the process when you find the right car.
Are there any hidden fees?
No. We believe in transparent pricing. The interest rate, loan term, and total cost are all laid out before you sign anything. What you see is what you pay.
Ready to get on the road?
Call us or stop by — our finance team will walk you through the process, start to finish.