Finance
Auto Loans
The Car By U finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Charlotte, Fort Mill, and Mooresville to ensure our customers get the right finance program at the most competitive rates.
We strive to work with each customer to ensure their satisfaction. We have financed customers from Rock Hill to Gastonia. Whether you are right down the road or an hour away from Charlotte you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.
How is your credit?
Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.
The Car By U loan process can help you find the best interest rate for your next vehicle purchase.
Try our FREE credit application today!
Competitive Pre-Owned Vehicle Rates*
We have hundreds of pre-owned vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.
Due to our special arrangements with local and national lenders, we can help you get the pre-owned vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!
Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of pre-owned vehicles currently available for immediate delivery.
Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.
To get started, fill out our FREE credit application online.
Once the application is completed, the Car By U finance team will put together a loan package that is tailored specifically for you.
Our Financial Services Include:
- Competitive rates direct from the manufacturer and local North Carolina banks
- Quick approvals
- Value-added services to protect your vehicle investment
- Extended warranty programs
- And many more finance programs to meet your needs
We are always happy to answer your questions so please don't hesitate to contact us today!
Your Job is Your Credit: Money Down Makes the Difference!
We recognize that everyone's financial journey is distinct, and while credit hiccups may have been a part of your past, your current employment and commitment by a down payment can pave the way for your automotive future. That's why at Car By U, we've devised a unique financing philosophy: Your Job is Your Credit complemented by the power of 'Money Down'. At Car By U, we aim to be more than just a car dealership. We envision building enduring relationships with our clients by offering solutions tailored to their individual life circumstances. Whether your credit is pristine or has seen better days, we believe in second chances.
What Does "Your Job is Your Credit" Mean?
It's straightforward! At Car By U, we consider your employment as an indicator of financial consistency. Instead of fixating solely on your credit history, we focus on your present financial capabilities. Have a job? Coupled with a meaningful down payment, you're well-positioned to qualify for an auto loan with us.
The Power of 'Money Down':
- Demonstrates your commitment.
- Can enhance loan terms and reduce interest rates.
- Counterbalances past credit challenges, enhancing your eligibility.
Why Choose Car By U's "Your Job is Your Credit" Program?
- Easy Approval Process: Don't dwell on past financial mistakes. If you're employed and ready with a down payment, you're closer than you think to owning your desired car.
- Empowerment: Our mission is to enable our customers to make informed financial decisions, potentially rebuilding their credit scores over time.
- Wide Vehicle Selection: Browse through our extensive range of vehicles, ensuring you find one that aligns with both your taste and budget.
- Competitive Rates: Our strong ties with numerous lending partners mean we can offer you competitive rates in the market.
- Tailored Financing Solutions: Our dedicated finance team is committed to understanding your unique needs and crafting a payment plan to suit your budget.
Disclaimer: Approval and loan terms are dependent on employment verification, down payment amount, and other determinants. While we aim to make financing as accessible as possible, not every applicant may qualify.