Financing
Find out what you qualify for without touching your credit score.
Pre-qualification uses a soft credit pull. It takes about two minutes, it will not affect your score, and nothing you submit here obligates you to buy anything.
Get pre-qualified
Soft credit check · No impact on your score
1 About you
2 Income
3 Confirm
What happens next
- Within minutes. You'll see the rate, term and monthly payment you qualify for.
- Same day. Priya or someone from the finance team calls to walk through the options.
- When you're ready. Pick a car, sign, drive. Most people are done in under two hours.
Typical rates by credit tier
| Excellent (720+) | 5.4% – 6.9% |
|---|---|
| Good (660–719) | 6.9% – 9.4% |
| Fair (600–659) | 9.4% – 13.8% |
| Rebuilding (<600) | 13.8% – 19.9% |
Illustrative APR ranges for 72-month used-vehicle loans as of August 2026. Your actual rate depends on term, down payment, vehicle age and the lender.
Bringing your own financing?
Plenty of our customers finance through their own bank or credit union, and that is completely fine. Bring the approval letter and we'll handle the rest.
Talk to the finance desk
Run the numbers
Payment calculator
Change any number and watch the payment move. No email required.
Estimated monthly
Shop cars in this range
$0
Vehicle price$0
Taxes & fees$0
Down + trade$0
Amount financed$0
Total interest$0
Total of payments$0
Questions
Financing, answered plainly
Will pre-qualifying hurt my credit score?
No. Pre-qualification uses a soft inquiry, which is visible only to you and has no effect on your score. A hard inquiry is only run when you formally apply for a specific loan, and we will tell you before that happens.
Can I get approved with bad credit or no credit?
Usually, yes. We work with lenders who specialise in credit rebuilding and first-time buyers. A larger down payment and a shorter term both help. What we will not do is put you in a payment you cannot sustain — if the numbers do not work, we will say so.
How much should I put down?
Ten to twenty percent is the usual guidance. More down means a lower payment, less interest paid overall, and less time spent owing more than the car is worth. There is no minimum down payment requirement at Ninebark.
What loan term should I choose?
Shorter is cheaper. A 72- or 84-month loan lowers the monthly figure but costs considerably more in interest and keeps you underwater longer. If the only way a car fits your budget is 84 months, it is usually the wrong car.
Do you sell extended warranties and add-ons?
We offer extended service contracts and GAP coverage, and we will explain both if you ask. They are never required, never bundled into the price, and declining them does not change your rate. Our finance team is salaried, not commissioned on products.
Can I refinance later?
Yes, and you should if your credit improves. There is no prepayment penalty on any loan we originate. Many customers refinance after twelve months of on-time payments and drop their rate significantly.