Apply for Used Car Financing









Get Pre-Approved for Your Used Car Loan in Arizona

Ready to drive home in your next quality used car, truck, or SUV? The first step is securing the right auto financing. At Arizona Car Sales in Mesa, we make applying for a car loan simple, straightforward, and stress-free, no matter your credit situation.

We are dedicated to helping drivers across the Phoenix East Valley, including Mesa, Chandler, Gilbert, and Tempe, find the perfect financing solution. Whether you have good credit, are looking for bad credit car loans, or need auto financing with no credit history, our dedicated finance team is here to help Arizona drivers find the best rates and terms. Get started with your car loan pre-approval today and drive away APPROVED!

Why Finance Your Car with Arizona Car Sales?

We believe securing a car loan should be as easy as finding your dream vehicle. Here’s why Arizona Car Sales is your trusted partner for car financing in Mesa, AZ:

  • Financing for All Credit Types: We specialize in helping customers with diverse credit histories – from excellent to limited or bad credit – get approved.
  • Extensive Lender Network: We work with over 20 reputable banks and credit unions to offer you a wide range of flexible auto loan options and competitive rates.
  • Quick & Easy Application: Our streamlined online application process saves you time. Get a decision fast so you can focus on choosing your vehicle.
  • Transparent & No-Pressure Process: We explain everything clearly, ensuring you understand your loan terms without any hidden fees or gimmicks.
  • Personalized Guidance: Our finance experts are committed to finding a solution that fits your budget and lifestyle.

How Our Auto Loan Pre-Approval Process Works:

Getting pre-approved for your used car loan at Arizona Car Sales is designed for your convenience:

  1. Complete the Online Application: Fill out our secure finance application form. For details on required documents, please refer to our FAQs below. It’s quick, easy, and can be done from anywhere in Phoenix, Mesa, Chandler, Gilbert, or Tempe.
  2. Get a Fast Decision: Our finance team will review your application and work with our network of lenders to find the best options for you. We strive for quick approvals.
  3. Review Your Options: Once approved, we’ll present you with the auto loan offers available to you, explaining all terms and rates clearly.
  4. Choose Your Vehicle: With your pre-approval in hand, you can confidently shop our extensive inventory of quality used cars, knowing your budget.

What Our Customers Say: Your Success is Our Priority!

Don’t just take our word for it. Hear from real Arizona drivers who found the perfect financing solution with us, even when other dealers couldn’t help:

“I never thought I’d get approved for a car loan with my credit history, but Arizona Car Sales in Mesa made it happen! The process was so easy, and they truly cared about finding me the right loan.”

— Jessica R., Phoenix, AZ

“After being turned down elsewhere, I found Arizona Car Sales. Their team was amazing, got me approved for a great used truck in Gilbert, and the terms were exactly what I needed. Highly recommend!”

— Mark T., Gilbert, AZ

Ready to experience 5-star service? Read more customer reviews here!

Frequently Asked Questions (FAQs) About Car Financing

What documents do I need to buy a car?
You generally need three documents to apply for financing:

  • Valid USA photo ID or your country’s passport
  • Proof of address (e.g., utility bills under your name, lease agreement, insurance card)
  • Proof of income (e.g., bank statements, paycheck stubs, etc.)
Does a bank provide financing?
We can offer you financing through a local bank, credit union, finance company, or even our own finance company. We work with a broad network to find you the best solution, even if you have no credit or no social security number.
I don’t have a credit history. Can I buy a car?
Of course! You may apply for financing even without a credit history. We specialize in helping first-time buyers and those new to credit establish themselves.
Can I apply for financing if I don’t have an SSN?
Of course! Having an SSN is not a requirement to apply for financing. We have financing options available for individuals without a Social Security Number.
How long does it take for my credit to be approved?
We have a super quick approval time! It typically takes around 30 minutes at our dealership. If you choose to pre-qualify online, it can take less than 5 minutes.
Do you report to a credit bureau?
Yes, we do report your payment history to Experian, TransUnion, and Equifax. This is an excellent way for you to improve or create your credit history with responsible payments.
How long are the financing terms?
Financing duration may vary depending on the car selected and the credit terms agreement, but you could have from 60 up to 84 months of financing available.
How do I estimate the total of my purchase?
The total of your purchase will depend on the offered Annual Percentage Rate (APR) and your down payment. You can use our car payment calculator to get an estimate.
What interest rate will I get?
We work diligently to get you the best interest rate that you qualify for. Interest rates may change according to factors such as your down payment, the specific vehicle selected, and your chosen monthly term.
My proof of address doesn’t have my name on it.
Your proof of address has to be under your name. Acceptable documents include your lease agreement, insurance card, or a recent utility bill (light, gas, water, cable, etc.).
What credit score do I need to obtain financing?
We accept any credit score. After making your request, our finance team will inform you of the best financing options available for your unique situation.
Can I trade-in my car for trade-in or as a down payment?
Of course! Our team will evaluate the condition of your car to calculate its value. We invite you to visit our dealership at 1648 E Main Street, Mesa, AZ 85203, for further details on your trade-in options.
What is the average or minimum down payment to buy my car?
The down payment will usually depend on your job time, income, and residence history. The average down payment can be as low as tax, title, and fees. In some instances, we can offer $0 down payment financing or provide down payment assistance. We encourage you to visit us at 1648 E Main Street, Mesa, AZ 85203, for more information tailored to your situation.
May I trade-in a vehicle that I am currently paying with you as a down payment for another?
Yes, we accept your car even if you still owe money on it! Visit us at our Mesa dealership to review your options and the value of your current vehicle.
I’ve just arrived in the US, can I get a car?
Of course! We have financing solutions for new arrivals to the US. We encourage you to pre-qualify online; it takes less than 5 minutes.
Why do I need to pre-qualify?
Pre-qualifying speeds up your credit approval process and allows us to offer you a financing plan that is adequately tailored for your needs, saving you time at the dealership.

Contact Our Finance Team:

Have specific questions about car financing or your eligibility? Don’t hesitate to reach out to our friendly finance experts.

Phone: (480) 821-6161

Address:
Arizona Car Sales
1648 E Main Street
Mesa, AZ 85203

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