Get Pre-Qualified
A soft check that does not affect your credit score. No Social Security number, no bank details — just enough for our lenders to tell you where you stand.
Financing a vehicle should not be the confusing part of buying one. Send us the short form on this page and we will take it to the lenders we work with — local credit unions and national banks — and come back to you with what you actually qualify for, and what it means month to month.
Nothing here affects your credit score. A pre-qualification is a soft enquiry based on what you tell us. Only when you have chosen a vehicle and want to move forward does a lender run a formal application, and that only happens with your say-so.
We ask for your contact details, your employment situation, and a rough income range. We do not ask for a Social Security number, a date of birth, or bank account details on this form, and you should be wary of any dealer website that does. When the time comes for a real application, that information goes to the lender directly, over their own secure system — not into a form on a repair shop's website.
Credit histories vary and we are used to that. Whether you have excellent credit, are rebuilding after a rough patch, or are buying a first vehicle with a thin file, it is worth asking. Our lenders look at the whole picture — steady employment and a reasonable down payment often matter more than a single number. We will tell you honestly if something is not going to work rather than stringing you along.
You can apply against a specific vehicle from our current inventory or before you have picked one — knowing your budget first often makes the choice easier. Every vehicle we sell has been inspected and serviced in our own shop, which lenders tend to like too.
Prefer to talk it through? Call (509) 655-7715 and ask for the sales side, or come by 3310 E Trent Ave in Spokane. We are open Monday through Saturday.
Pre-qualification form
Takes about two minutes. Fields marked * are required.
Financing questions
- Will getting pre-qualified hurt my credit score?
- No. Pre-qualification is based on the information you provide and uses a soft enquiry, which is not visible to other lenders and does not affect your score. A hard enquiry only happens later, if you choose a vehicle and ask us to submit a formal application.
- Do I need to provide my Social Security number?
- Not to get pre-qualified with us. Our form asks for contact details, employment status and an income range only. If you go ahead with a formal application, the lender collects that information directly through their own secure system — it is never entered on this website.
- Can I get financed with bad credit or no credit history?
- It is worth asking. We work with lenders who consider the whole picture, including steady employment and the size of your down payment, not just a credit score. We will give you a straight answer either way rather than keeping you waiting.
- How much should I put down?
- Around 10 to 20 percent of the vehicle price is typical and usually improves the rate you are offered, but there is no fixed requirement. A trade-in can count toward your down payment. Use the payment estimator on any listing to see how different deposits change the monthly figure.
- How long does approval take?
- We usually come back to you the same business day, often within a couple of hours during opening times, Monday through Saturday. If you send the form overnight we will call you the next morning.
- Can I finance a vehicle I have not chosen yet?
- Yes, and it is often the sensible order. Getting pre-qualified first tells you the budget you are actually working with, which makes choosing between vehicles much easier and means you can move quickly when the right one arrives.