Car Financing in Salt Lake City
Last updated
Car financing is a critical step for many buyers. We've been family-owned since 1965, and we arrange financing through our network of more than 40 outside lenders to find a rate for your situation, whether you have stellar credit, no credit or are working to improve it. Approval depends on the lender.
We work with 40+ lenders, and every application is reviewed case by case, whatever the credit score; approval depends on the lender.
Table of Contents
I'm a First-Time Car Buyer, Can I Get a Car Loan in Salt Lake City?
First-time buyers are welcome. We work with 40+ outside lenders, including some that work with limited credit history; approval depends on the lender. We'll work with you to find a payment plan that suits your budget, so you can enjoy the drive without the stress.
What Credit Score Do I Need?
There isn't a fixed credit score requirement: we work with lenders who cater to a wide range of scores, and every application is reviewed case by case. If you're new to credit, we use first-time buyer programs through the lenders we work with. Approval depends on the lender.
Every application is reviewed case by case, whatever the credit score.
How Much Down Payment Do I Need?
The down payment amount can vary, but we aim to make it as manageable as possible. The down payment depends on the vehicle, the lender and your situation. Contact us for a personalized estimate.
What You'll Need
- A valid driver's license
- Proof of income (recent pay stubs)
- Proof of residence (utility bill or bank statement)
- Down payment (amount varies)
- References
How Long Does Approval Take?
Approval times vary, but we do our best to make the process fast and straightforward. Our team works diligently to get you an answer as quickly as possible; most applications get a lender decision the same day, but timing depends on the lender. Reach out to us at (801) 561-2727 for more details on our approval process.
Do Inquiries Hurt My Credit Score?
A credit inquiry refers to a check on your credit score, which can slightly affect your score. However, our team ensures that this impact is minimal by working efficiently and keeping inquiries to a minimum.
Efficient credit checks minimize the impact on your credit score while keeping inquiries to a minimum.
Flat Document Fee
We keep our fees transparent. No hidden fees, no surprises. Every advertised price already includes our flat $289 documentation fee; only Utah sales tax, title and registration are added.
Financing Resources
Want more details on a specific part of the buying process? Start here:
For more information or to get started, visit our contact page.
Key Takeaways
- Valid driver's license
- Proof of income (recent pay stubs)
- Proof of residence (utility bill or bank statement)
- Down payment (amount varies)
- Utah Used Car Dealership Fees, Explained — Buyer's Guide to document, title, and registration fees, and which fees we don't charge.
- Utah Used Car Out-the-Door Price Guide — How to read, calculate, and compare the all-in out-the-door price on a used car in Utah.