Save 1 hour at the dealership
Apply for a car loan or refinance your current loan
We work with all types of credit history: good credit, bad credit, no credit. Get pre-approved ... lock in your rate ... and give yourself the negotiating power of a cash buyer
Are you applying for financing for yourself, or jointly with a co-borrower?
No “gotchas”
A pre-approval eliminates those annoying surprises that seem to pop up during financing. You’ll know your exact interest rate and how much you should pay every month. It’s a smooth roadmap to car buying success.
More lenders. Better loans.
We have long-standing relationships with 10+ major lenders, prime banks & credit unions. There are special programs available for every budget and every credit type to make sure you get the best loan, at the lowest rate possible.
Get your rate ASAP
Don’t have a pre-approval? Then you’re still in the dark about how much car you can afford given your other monthly expenses. Apply now! We’ll tell you right away what rates you qualify for so you’ll know your monthly payment.
Bad credit? No problem
No one gets turned away. Once you’re pre-approved, you’re guaranteed a car loan—whether you have bad credit, or are a 1st time buyer with no credit history at all. We help make dreams come true every day!
Speed it up. Way up.
Hate waiting? Nothing streamlines the car buying experience like a loan pre-approval. You’ll shave off 1+ hours at the dealership because you were smart and took care of the financial details ahead of time.
Take the stress out of buying
When you know exactly what you can afford, buying a car is a totally stress-free transaction. You can easily weed out cars that don’t fit your budget picture ... and focus on finding an affordable car you’ll love.
Wow, that was easy!
Easy online approval
Fill out our quick and secure online car loan application to find out how much you can borrow right now.
Always the best rates
Luxury Motor Cars works with 10+ major lenders, prime banks & credit unions—all fighting to get you the best rate.
Cars, cars, cars
Looking for a late-model, high-end premium luxury used or import vehicle? Don’t waste time. Check Luxury Motor Cars first.
We’re here for you
Stop by for a test drive. We’ll have your baby and all the paperwork ready to go. You’ll be in and out in about an hour.
How exciting
Wow! You just got a great rate and a great deal on fabulous luxury vehicle and it was all so quick and easy.
Frequently asked questions
My credit is bad. Can I still get pre-approved?
Yes, of course you can! We’ve built long-standing relationships with 10+ major lenders, prime banks & credit unions. The Luxury Motor Cars financial staff is uniquely trained to get you the best rate and best monthly payment option possible for your situation.
I’m upside down in my current car loan. Can you help?
Yes, definitely. We help customers in your position every day. Don’t let negative equity keep you in a vehicle you’re not happy with. Let our experts take care of the details and get you into a car you’ll love, at a monthly payment you can live with.
I’m a first-time buyer. Is that an issue?
Not at all. We know how exciting it is to buy your first car. So even if you’ve never made a car payment in your life or have no credit history at all, we’ll find you a great rate. We do it all the time.
I need a car right away. How fast can I get pre-approved?
All of our pre-approvals are expedited. If you fill out an application today, you can expect a financing offer immediately — often within 24 hours.
What about a down payment?
We can work with you, with or without a down payment. If you need to put money down, we’ll help you keep your out-of-pocket costs as low as possible. And we’re happy to talk about using your trade-in as your down payment. Nobody beats our trade-in offers. Period.