Everything happens online, so you don't need to go anywhere. Below, you'll see what happens at each stage and what you'll need.
First, get your free estimate
Tell us your ZIP code and a few things about your vehicle: mileage, year, make, model and style. You'll also say if it's paid off or if you still owe on it. It's about two minutes of your time, with no obligation. If you'd rather speak with someone, call (817) 618-3159.
Next, your vehicle is qualified
Your answers are checked, and current market prices for vehicles like yours are used to estimate its value. Of everything that goes into your loan amount, value matters most. Higher-value vehicles can qualify for as much as $50,000.
Then, upload your documents
Once the vehicle qualifies, a short application asks for these:
- Your title, in your name and free of other loans
- Pictures you take of the vehicle, its odometer reading and its VIN
- A driver's license or other government-issued photo ID
- Your current insurance and registration
- Proof you have at least $1,500 coming in each month
The requirements page explains each one in more detail.
Last, sign and get your money
If you're approved, you'll see the full terms before you sign anything: how much you're borrowing, the APR, when each payment is due, and the total of payments. After you e-sign, your money goes out by wire, check or direct deposit. It can arrive in as little as 24 hours.
What sets your loan amount
- The vehicle itself: how old it is, its make, model and trim, how many miles it has, and what shape it's in.
- What you earn: your payments have to fit your budget.
- Where you live: each state's law sets the smallest and largest loan sizes and how long loans can run.
Read the numbers before you sign
The monthly payment is only part of the picture. Look at the APR, the finance charge and the total of payments as well. Stretching the loan out lowers each payment but makes the whole loan cost more. You can always pay early, and there's no penalty for it.