Financing options
All credit situations welcome. Get pre-qualified for an auto loan, even with bad credit, no credit or past bankruptcy.
Est. monthly paymentLow monthly
We welcome all credit types
Every financing situation is different. Explore your options and find a vehicle that works for your budget.
Affordable vehicles
Explore budget-friendly cars. Choose from vehicles with manageable monthly payments.
Low down payments
Get on the road today without draining your savings.
Current inventory will appear here.
*Payments are estimates only. Actual rates and terms may vary based on credit, down payment, and lender approval. Taxes and fees excluded.
Unlock payments that fit your budget
1
Explore financing options
Complete an application and discuss available options with our team.
2
Browse vehicles for your budget
Compare actual inventory, prices and estimated monthly payments.
3
Choose your next steps
Review lender terms and arrange your purchase or dealership visit.
Real customers. Real Reviews. Real Happy.
What customers are saying about My Car on Google
“Amazing Experience. They went above and beyond to get us approved at the very end of the day! We were desperate to find a car asap. They made it so easy. We came to them before deciding to go home, it was the end of the day. Unsure if we would even be approved. They made it happen and their attitude was so upbeat for as stressed as we were when we came in. They will make it happen for you. Their kindness and understanding was so genuine and appreciated. I highly recommend, if you are looking to buy a car please check these guys out. Very honest, Very helpful, Very Affordable. With good clean quality cars in the lot.”
“I've been trying to get a vehicle for a while I did the credit application and I don't have the best of credit but they help me two weeks later I was driving off the lot the was very professional and mechanic team made sure nothing was wrong with the car I'll refer anyone to them”
“Ty and Rory were very nice and helpful. All it took was a little patience and I got the car that I’ve wanted for years at a great deal. I didn’t have the most money or the best of credit but they made it happen for me.”
Ready to apply?
Explore financing for your next vehicle with My Car. Complete our secure application, and our finance team will follow up about available next steps.
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We’re here to help
Have questions about financing your next car? Start with these common questions.
What information should I have ready for a used car finance application?
Have your contact information, current and previous address details, employment and income information, identification details and references ready. Providing complete and accurate information can help the finance team review your application efficiently.
Can I apply for used car financing online in Fredericksburg, VA?
Yes. You can complete My Car's finance application online. After you submit it, the finance team reviews the information provided and contacts you about available next steps and any additional information that may be needed.
Does submitting a finance application guarantee approval?
No. Submitting an application allows your information to be reviewed. Approval, available programs and final financing terms depend on the applicable financing source, the vehicle, applicant information and other requirements.
Can I explore financing options if I have credit challenges?
Yes. Credit challenges do not necessarily prevent you from exploring financing options. Available programs, approval and terms vary based on the financing source and the information in your application.
How much should I put down on a used car?
The appropriate down payment depends on the vehicle, your budget and the financing terms available to you. A larger down payment can reduce the amount financed, but required down payments vary by financing source and applicant information.
Is the payment estimator my final monthly payment?
No. The payment estimator is for planning purposes only. Actual rates, loan terms, down payment requirements, taxes, fees and monthly payments may differ based on the financing source, vehicle and applicant information.
Can I choose a vehicle before I apply for financing?
Yes. You can browse My Car's current used vehicle inventory first and use the payment estimator to explore a vehicle price, down payment and loan term before completing the finance application.
What happens after I submit my finance application?
My Car's finance team reviews the information you submitted and contacts you about the next steps. Additional information or documentation may be requested depending on the financing source and your application.