McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Qualify for Car Financing Before You Apply

Calculate the amount that you may be qualified to borrow to buy a car at a buy here pay here car dealer. This exclusive tool uses criteria such as your income, debt, and credit profile to determine your estimated approval amount based on lender guidelines and historical lending data.
Loan Estimator Tool
Monthly Pmt Calculator
Loan Approval Requirements
Select a credit profile that most closely matches your credit situation
700+   (good credit)
625     (fair credit)
575     (subprime credit)
525     (poor credit)
No credit history
Do not include utilities, and exclude car payment if you plan to trade-in
Rent or Mortgage
Credit Cards
Garnishments
Other Loans
Enter your monthly income amount before taxes are deducted
Monthly Income
$0.00
Begin the approval process
To get an exact loan amount, you will need to enter some more information. It takes about 3 minutes.
Zip Code
Calculate approximate monthly payment
for a new or used car loan
Price of Car $
Down Payment $
Loan Amount $
Interest Rate (APR) %
Loan Term years
  
Monthly Payment: $
Complete a simple online form and get
approved for a quick car loan
First Name
Last Name
Loan Amount (optional) $
Zip / Postal Code
Buy Here Pay Here Application Requirements
Advertisement
These are the basic minimum loan criteria that most dealer financing programs require:
  • At least $1,500 gross income per month if your credit score is below 625
  • No auto repossessions within the last year, unless included as part of a bankruptcy
  • Financing is for car purchases at our authorized licensed car dealer partners
  • Financing is availble to United States and Canadian Residents over 18 years of age
  • For Chapter 7 Bankruptcy, the 341 Meeting of Creditors must have been completed
  • For Chapter 13 Bankruptcy, Authorization to Incur Debt from the Trustee is required
The online calculators provided to you on this website are available for educational and informational purposes only. The suggestions made by these calculators should not be considered actual financing figures or terms in any way. They should only be considered rough estimates, as actual financing terms can only be determined based on your specific information such as credit score and income, and they can only be determined by the auto dealer and/or lender.
Advertisement