Carzüm

— Step 1

Choose your new vehicle

Search our inventory and find the car you want to purchase.

— Step 2

Get your personalized terms and rates

Once you’ve chosen a vehicle, fill out a credit application and get personalized financing terms and rates emailed to you.

— Step 3

Choose pickup or delivery

Complete your purchase online and have your vehicle delivered to you or schedule to pick it up at one of our remote locations.

Things to Consider with Car-Lending

Considering the following will help you decide whether to finance your new car.

How does your credit score look?

You have a good credit score and/or established credit.

If you have a good credit score as well as a provable, established income verification, you will always get the best finance terms.

You are rebuilding your credit or are new to establishing credit.

If you're just beginning to establish good credit, you will not be able to qualify for the best car financing terms. If you have limited credit or are rebuilding your credit, you will also not be able to qualify for the best car financing terms. In some cases you will not be able to secure a car-loan.

How do the model year and mileage factor in?

With a good and established credit history, there shouldn’t be many restrictions on the year and mileage of the car you want to purchase.

As a buyer who is rebuilding or new to credit, you will likely have some year or mileage restrictions. If you are building or rebuilding a credit score, it will be difficult to secure a loan for older cars, as well as cars with higher mileage.

How much of a down payment will you have to make?

With good and established credit, you will in many cases qualify for a loan with little to no money down.

If you’re building or rebuilding credit, make sure you’re informed about your down payment, as it will be required. These types of loans typically require a down payment of around at least 10% of the purchase price. The interest rate will usually range from 8% to 21%, depending on your specific case.

How does your job affect financing?

Income verification is always required if you're building or rebuilding credit. You will need to have a provable, full-time income that spans several recent months.

Finance with Carzüm