Save 1 hour at the dealership
Apply for a car loan
Good credit. Bad credit. No credit. We’ll make sure you get pre-approved at the best possible rate
Are you applying for financing for yourself, or jointly with a co-borrower?
Get pre-approved and get better deals
When you walk into a dealership with a pre-approval, you’re in control. You have the leverage of a cash buyer and dealers know you mean business. That translates into better deals and better service at dealership
Custom-fit pricing
A pre-approval shows you exactly how much money you can borrow. And it gives you an idea of what your payments will be at different purchase prices so you’ll always know how much car you can afford.
No blindsides
When you’re pre-approved, it takes all the surprises out of buying a car. You won’t be distracted by fuzzy math because you’ll already know what your monthly payments will be. You can just focus on getting the best deal.
Smooth sailing
Having a pre-approval means you can enjoy the car-buying process instead of stressing over it. That’s because you’re armed with down payment and monthly payment information before you even go to the dealership.
Easy online approval
Fill out our quick and secure online car loan application to find out how much you can borrow right now.
Always the best rates
Carmel Auto Gallery has relationships with 20+ local and national banks — all working at getting you the best rates.
Cars, cars, cars
We’ve sold over 3,000 high-quality used cars in less than 2 years. Our inventory is packed with vehicles for every taste.
We’re here for you
Stop by for a test drive. We’ll have your baby and all the paperwork ready to go. You’ll be in and out in about an hour
How exciting
Wow! You just got a great rate and a great deal on a new car. And it was all so easy and so quick.
Frequently asked questions
I’ve hit a few bumps in the road with my credit history. Can I still get approved for a loan?
Absolutely. At Carmel Auto Gallery, we deal with all types of credit histories. We work with a hand-picked network of 20+ local and national banks that can secure financing for even the lowest credit scores. We work tirelessly to find you the best rates possible.
How long does it take to get pre-approved?
It’ll take you just a couple of minutes to fill out the secure, online application and then you can expect an offer the same day.
If I qualify for a bad credit loan, won’t my payments be super-high?
Not at Carmel Auto Gallery. We work with so many lenders and have such a wide variety of vehicles at different price points that you’ll be able to find the car, truck, or SUV that fits your budget
Is there a charge to get pre-approved?
Never. Our auto loan application is a completely free service — whether or not you decide to buy a car from us.
Do you work with first-time buyers?
Yes. If you’re a student, or just started your first job, or have no credit history, we can help you get pre-approved. We do it all the time