Apply for a car or truck loan online
Save time and get approved online
Save time and hassle, get behind the wheel with a clear understanding of your monthly payment, and secure the best loan rate regardless of your credit history.
Are you applying for financing for yourself, or jointly with a co-borrower?
Frequently asked questions
What credit score do I need to get a car loan?
There’s no minimum credit score required to apply for a car loan at Richmond Car and Truck Center. We work with a large network of lenders from prime to subprime to be able to offer financing for people regardless of their current credit score or credit history. Our goal is to approve 100% of car loan applications.
Will I need a cosigner on my car loan?
Maybe. Depending on your credit score, a cosigner may be able to help you secure a car loan with a lower interest rate or more favorable terms than you would be eligible for on your own. We make it easy to apply for a car loan with or without a cosigner.
If I have bad credit, can I get pre-approved?
Absolutely. We want to make car ownership attainable for everyone which is why we work with a diverse lender network. We believe you are so much more than you credit score. You’ll get the same friendly experience and expert guidance regardless of credit score or history.
Do I have to get pre-approved online?
Of course not! If you’d like to come to the dealership to get pre-approved in person, we’d love to have you! There is an advantage to getting pre-approved online: time. Right now our inventory is selling FAST so if you want to be able to have your pick of any one of the cars, trucks, vans, or SUVs on our lot, it’s a good idea to get pre-approved before you start shopping.
How can I lower my monthly car payment?
The monthly payment on a car loan is going to be based on three things: the amount you borrow, how long you borrow it for, and what your interest rate is. Your credit score will determine the interest rate of your loan making it the hardest factor to control. You may be able to enlist a cosigner to help you secure a better rate, but that’s not always the best option. The easiest way to get a lower monthly payment is by lowering the amount you borrow. You can do this by having a big down payment, having a trade-in vehicle, or choosing a less expensive vehicle. Another option is to choose a longer loan term, although keep in mind that while this lowers your monthly payment, this often will cause your total repayment amount to increase.
Can I afford a new car?
That is entirely up to you, but we try to make it easy for you to make a decision with a handy car loan calculator tool as well as the ability to shop for a vehicle using customizable monthly payment terms that allow you to see exactly how much you’d pay for the vehicle you’re interested in.