Financing

Straightforward, and clearly labelled

We work with third-party lenders. Nothing on this site is an offer of credit — the estimates are estimates, and the real terms come from a lender once you apply. Here is the whole sequence, in order.

Tell us what you like

Send the prequalification below, or call. No sensitive information at this stage — just enough for us to know which vehicle and roughly what shape a deal would take.

We talk it through

We come back with what we think is realistic on that vehicle, including what taxes, title, registration and fees add on top of the advertised price.

You apply securely

The credit application asks for a Social Security number and driver's licence details, so it lives on our secure application system rather than on this page.

The lender decides

Approval, rate and term come from the lender, not from us. All financing is subject to credit approval, and not every applicant will qualify.

Step one

Prequalify — no credit check

This form asks nothing sensitive. It goes straight to our sales desk and we reply with what we think is achievable.

Leave this empty

First name *

Last name *

Email *

Phone *

Vehicle of interest

Down payment

Employment

Employed Self-employed Retired Other

Anything else?

By submitting this request, I accept the Privacy Policy. This is not a credit application and no credit check is performed.

Step three

The full credit application

The complete application collects a Social Security number, date of birth and driver's licence details, along with residence and employment history. That belongs on a secure application system, not on a marketing page, so we host it separately.

You will be asked for:

Personal information — name, contact, date of birth, SSN, driver's licence
Residence — address, housing type, monthly payment, time at address
Employment — employer, position, monthly gross income, time at job
The vehicle, your down payment, and any trade-in
Co-buyer details, if you are applying with someone

Applying does not obligate you to buy, and consent to be contacted is not a condition of purchase.

Open the Secure Application

Opens our secure application system in a new tab.

Payment amount is an estimate for illustrative purposes only. This is not an advertisement or offer of credit. Estimated payment excludes taxes, title, registration, license fees, insurance, and additional options. Payment amount may differ based on cash or trade in value due at signing, term, fees, special offers, and applicable tax rate. You must apply for and qualify for credit. Not all customers will qualify. Please contact 81 Auto for further information.