Does pre-qualifying affect my credit score?

No. Pre-qualifying uses a soft credit check that does not affect your credit score. A full credit application is a separate step and usually includes a hard inquiry, so ask us before you submit it if you have questions.

What do I need to bring to finance a car?

Bring a valid driver's license, proof of income (recent pay stubs or bank statements), proof of residence (a utility bill), and proof of insurance. If you're trading in, bring the title or loan payoff information.

Can I get financing with bad credit or no credit?

Premium Autos offers financing, and you can start online with a pre-qualification or credit application. Approval, rates and terms depend on your credit and the lender, so call a store or send a request and we will go over your options.

Can I finance a used Tesla or electric car?

Yes — most of what we sell is electric, and the lenders we work with finance used Teslas and EVs every day. Each EV's page shows its battery information, and the same pre-qualification works for any car on the lot.

What credit score do I need to finance a car?

There is no single minimum score. Excellent credit earns the strongest rates, and buyers who are rebuilding credit or have no credit yet still get options. The pre-qualification above shows where you stand using a soft inquiry that does not affect your score.

How much should I put down?

Ten percent of the price is a common starting point, and it is the default in the calculator on this page. More down lowers the amount financed and the monthly payment — and a trade-in can serve as part or all of the down payment.

Get pre-qualified with no credit impact

Start a pre-qualification or credit application online, or send us the basics and we will follow up with options. Approval and terms come from the lender.

See your estimated rate →An estimate in about a minute, with no credit check. Your actual rate depends on lender approval.Get Pre-qualified with Capital One →See your real rate and payment. Capital One uses a soft inquiry, so it won't affect your credit score.Apply for credit →Secure, encrypted application that goes straight to our finance team.

Or send us the basics

No Social Security number needed. We'll reach out with options.

Payment calculator

$475/mo

Financing $27,085 over 72 months at 7.99% APR. Estimate only, on approved credit. Price includes $85 doc fee. Excludes tax, title and registration.

Vehicle priceDown paymentTrade-in valueAPR %Term

Financing FAQs

Does pre-qualifying affect my credit score?: No. Pre-qualifying uses a soft credit check that does not affect your credit score. A full credit application is a separate step and usually includes a hard inquiry, so ask us before you submit it if you have questions.
What do I need to bring to finance a car?: Bring a valid driver's license, proof of income (recent pay stubs or bank statements), proof of residence (a utility bill), and proof of insurance. If you're trading in, bring the title or loan payoff information.
Can I get financing with bad credit or no credit?: Premium Autos offers financing, and you can start online with a pre-qualification or credit application. Approval, rates and terms depend on your credit and the lender, so call a store or send a request and we will go over your options.
Can I finance a used Tesla or electric car?: Yes — most of what we sell is electric, and the lenders we work with finance used Teslas and EVs every day. Each EV's page shows its battery information, and the same pre-qualification works for any car on the lot.
What credit score do I need to finance a car?: There is no single minimum score. Excellent credit earns the strongest rates, and buyers who are rebuilding credit or have no credit yet still get options. The pre-qualification above shows where you stand using a soft inquiry that does not affect your score.
How much should I put down?: Ten percent of the price is a common starting point, and it is the default in the calculator on this page. More down lowers the amount financed and the monthly payment — and a trade-in can serve as part or all of the down payment.

Financing, on real cars in stock now

Every payment below is the site's standard estimate — the advertised price (doc fee included), about 10% down, 7.99% APR over 72 months — the same math as the calculator above and every car card. It is an estimate, not an offer: your actual rate and payment come from the lender.

How financing works here

1. See your estimate

The calculator above gives you a payment estimate in about a minute, with no credit check at all.

2. Pre-qualify or apply

Pre-qualify with Capital One through a soft inquiry that will not affect your credit score, or send the full application straight to our finance team.

3. Pick your car, finish at the store

Bring your license, proof of income, proof of residence and insurance to either store — Norco or South El Monte — and finish the paperwork there.

Have a car to trade? Its value can be your down payment — start with a sell or trade-in estimate, then browse the full inventory to see what your payment could buy.