Used Car Loan Rates: How To Compare Lenders And Save Money

Securing the right used car loan rate can make a significant difference in your total cost of ownership, but navigating the options isn’t always straightforward. Loan rates can vary dramatically—sometimes by several percentage points—based on factors like your credit score, where you apply, the loan term you choose, and even the car’s age and mileage. For buyers, understanding what drives these rates isn’t just about getting a lower monthly payment—it’s about saving hundreds or even thousands of dollars over the life of your loan.

If you’re in the market for a used car, it pays to know how lenders set their rates, what you can do to qualify for the best terms, and how to spot hidden costs that could inflate your APR. Whether you’re comparing offers from big banks, local credit unions, online marketplaces, or dealerships like Certified AutoBrokers in Grand Island, NY, you’ll want a clear strategy for evaluating your options. In this guide, you’ll find actionable steps for comparing lenders, understanding the numbers behind your loan, using pre-qualification to your advantage, and putting yourself in the strongest financial position—so you can shop with confidence and keep more money in your pocket.

Defining Used Car Loan Rates

Understanding used car loan rates starts with knowing that lenders quote an APR—an annual percentage rate—that bundles both the interest charged on the principal and any mandatory finance fees. While the nominal interest rate might look low, it doesn’t tell the whole story: APR gives you the full picture of what you’ll pay each year for borrowing. By comparing APRs rather than just sticker rates, you can more accurately gauge your total cost, regardless of the lender’s fee structure or the length of your loan.

What Is Annual Percentage Rate (APR)

Annual percentage rate (APR) represents the yearly cost of borrowing, expressed as a percentage of your loan amount. It includes both the interest rate on the principal and any mandatory finance charges. Lenders calculate APR using a standard formula:

APR = (Total Interest + Fees) / Principal Amount / Loan Term (years) * 100

For example, imagine you borrow $20,000 over 60 months (5 years) at a quoted APR of 6.5%. Your monthly payment comes out to about $392, and over the life of the loan you pay roughly $3,520 in interest. Since there are no extra fees in this example, the APR matches the nominal interest rate:

• Loan amount: $20,000

• Term: 60 months (5 years)

• Interest paid: $3,520

• APR = ($3,520 / $20,000) / 5 * 100 = 6.5%

This APR makes it easy to compare that loan to another offer—say, a 6.2% rate with extra fees or a shorter term—even if their nominal rates differ.

How Fees Impact Your APR

Financing fees can push your APR higher than the base interest rate. Common fees include:

• Loan origination fee
• Documentation or processing fee
• Title, registration, and filing fees

Suppose a lender advertises a 5.5% nominal rate on a $20,000 loan but tacks on a 1% origination fee ($200). Spread out over a five-year term, that $200 fee adds roughly $40 per year in finance charges, which translates to an extra 0.2% APR. In practice, the impact may range between 0.25% and 0.5% once other minor fees are included. So the true APR on that same loan might rise from 5.5% to around 5.75–6.0%.

Secured vs. Unsecured Used Car Loans

Most used car loans are secured, meaning the lender holds your vehicle’s title as collateral until you pay off the balance. Secured loans pose less risk for lenders—if you default, they can repossess the car—so they typically carry lower APRs. In contrast, unsecured personal loans don’t use your car as collateral. Without that security, lenders charge higher rates (often 1–3 percentage points above secured loan rates) to offset the increased risk. If you qualify, a secured auto loan almost always yields a better rate than an unsecured alternative for purchasing the same vehicle.

Key Factors That Influence Used Car Loan Rates

Lenders consider a handful of core criteria when setting the APR on a used car loan. Each factor reflects the level of risk a borrower poses and directly impacts the interest rate offered. By understanding these building blocks, you can see how small changes—like improving your credit score or putting more cash down—can translate into big savings over time.

Credit Score and Risk-Based Pricing

Lenders use risk-based pricing to match your credit profile with an appropriate APR. Simply put, borrowers with higher credit scores have a proven track record of on-time payments, so they qualify for lower rates. Those with blemishes—or limited credit history—are viewed as higher risk and face steeper APRs.

The Consumer Financial Protection Bureau breaks down credit-score tiers and typical auto-loan APRs in its borrower risk profiles. You’ll generally see:

• Super-prime (720+): lowest APR band

• Prime (660–719): modestly higher rates

• Nonprime (601–659): rates climb noticeably

• Subprime (501–600): significant markup

• Deep subprime (<500): highest APRs, often 20%+

If your score is hovering just below a tier cutoff, even a small bump—say, paying down a credit card balance—can move you into a lower APR bracket.

Loan-to-Value (LTV) Ratio

Loan-to-value (LTV) is the percentage of a vehicle’s value you’re borrowing. An 80% LTV means you finance 80% of the car’s worth and cover the other 20% upfront. A lower LTV reduces lender risk, since there’s a bigger equity cushion if you default.

• Higher LTV (e.g., 100% or more): fewer dollars down, higher APR

• Lower LTV (e.g., 70–80%): more equity, better APR

Even a 10% difference in LTV can shave tenths of a percentage point off your APR. If possible, aim for at least 20% down to secure more favorable pricing.

Loan Term Length and Total Interest

How long you choose to repay your loan affects both your monthly payment and your APR. Shorter terms (36–48 months) tend to come with lower rates because you’re paying off the principal faster. Longer terms (60–72 months) usually carry APRs that are 0.5–1% higher—but they do spread out your payments.

Shorter term

• Lower APR

• Higher monthly payment

• Less total interest paid

Longer term

• Higher APR

• Lower monthly payment

• More total interest paid

If cash flow allows, opting for a shorter term can save you significant interest—even if the monthly bill climbs.

Vehicle Age, Mileage, and Condition

A lender’s collateral is the car itself, so its condition matters. Older models or high-mileage vehicles depreciate faster and present a greater risk of breakdown. As a result:

• Newer cars (under 10 years old) with under 125,000 miles: best APRs

• Older or higher-mileage cars: higher APRs or limited loan options

Some lenders outright refuse to finance vehicles beyond a certain age or mileage threshold. Always check a lender’s eligibility criteria before getting your heart set on a specific used car.

By tweaking these variables—boosting your credit score, lowering your LTV, choosing a shorter term, or selecting a vehicle in better condition—you can significantly improve the APR you qualify for. That extra effort upfront can save you hundreds, even thousands, of dollars over the life of your loan.

Current Used Car Loan Rates: Market Benchmarks

Shopping for a used car loan in mid-2025 means understanding where APRs stand today—and how to gauge a competitive offer. Below, you’ll find recent averages from traditional lenders, online marketplaces, and a quick guide to what counts as a “good” rate in the current market.

Average Rates at Banks and Credit Unions

Credit unions tend to deliver the most attractive APRs for used car loans, thanks to their not-for-profit structure and member-focused approach. By contrast, banks usually price loans a bit higher to cover overhead and shareholder returns. According to CUNA’s quarterly report, the national averages for a 60-month used car loan look like this:Lender TypeAverage APR (60-month loan)Credit Unions5.5%Banks7.5%

Data source: CUNA Credit Union Auto Lending Monthly Report

If you qualify for a credit union membership—whether through your workplace, association, or geographic region—you’ll likely unlock a rate at least a full percentage point below what most banks offer.

Average Rates from Online Lenders and Marketplaces

Online lenders and marketplaces like LendingTree and Experian report a wide spectrum of APRs, driven largely by borrower credit profiles. Experian’s Q1 2025 data shows used car APRs ranging from roughly 6.8% for top-tier borrowers to over 21% for deep subprime:

• Super-prime (720+): ~6.8% APR
• Prime (660–719): ~9.0% APR
• Nonprime (601–659): ~13.7% APR
• Subprime (501–600): ~19.0% APR
• Deep subprime (<500): ~21.6% APR

Even within online marketplaces, rates mirror these credit-driven tiers. Pre-qualifying through a platform can give you a precise snapshot of where you fall—and whether you should focus on raising your score before locking in a loan.

What Is a “Good” Used Car Loan Rate Right Now?

With so many moving parts, it helps to set clear benchmarks for evaluating offers. In today’s market:

• Excellent: Sub-7% APR for well-qualified, super-prime borrowers
• Average: 7%–12% APR for prime to nonprime profiles
• Below average: Above 12% APR—often tied to subprime or deep subprime credit

If you’re seeing single-digit APRs, you’re in strong territory. Rates above 12% should prompt a closer look at ways to improve your credit, increase your down payment, or consider a shorter loan term. Armed with these benchmarks, you’ll be better equipped to spot a competitive deal—whether you’re working with a national bank, credit union, online marketplace, or Certified AutoBrokers’ online pre-qualification process.

How Your Credit Score Impacts Your Used Car Loan Rate

Your credit score is one of the most powerful levers you have when shopping for a used car loan. Lenders rely on it to assess how likely you are to repay on time. A higher score demonstrates stronger financial habits and can unlock lower APRs, while a lower score signals risk—and a lender will compensate by charging more interest.

Ultimately, your credit score places you into a risk tier. Each tier comes with its own APR expectations. Understanding where you fall can help set realistic targets before you apply.

Credit Score Tiers and APR Ranges

The table below shows typical used car loan APRs by credit band, based on Experian and LendingTree data:Credit TierScore RangeAverage Used Car APRSuper-prime720+~6.8%Prime660–719~9.0%Nonprime601–659~13.7%Subprime501–600~19.0%Deep subprime<500~21.6%

If your score is on the cusp of a higher tier, even a small boost can pay off. For instance, moving from 659 to 660 could shave a full percentage point off your APR, saving you hundreds over a 60-month loan.

Tips to Improve Your Credit Score Quickly

Boosting your score doesn’t have to take months. Try these targeted actions in the weeks before you apply:

• Pay down revolving balances to under 30% of each card’s limit.
• Make every payment on time—set up autopay or calendar reminders.
• Review your credit report and dispute any errors that drag your score down.
• Avoid new hard inquiries for at least 30 days before you apply.
• Keep older accounts open to preserve your length of credit history.

Focusing on utilization and payment history can yield noticeable improvements in a short time.

Using Your Credit Score to Negotiate Better Rates

Once you know your score and pre-qualify with an APR estimate in hand, you gain bargaining power:

• Show lenders or dealerships a pre-approval letter that reflects your strong credit profile.
• Ask if they can match or beat an offer from a credit union or online lender.
• Highlight any recent credit improvements you’ve made to demonstrate reduced risk.

Banks and credit unions may be willing to adjust fees or offer a rate discount to secure your business—especially if you can point to concrete data about your creditworthiness. Walking into a financing discussion with clear numbers can shift the conversation from “what rate can you give me?” to “how low can you go?”

Types of Lenders: Pros and Cons Comparison

Choosing the right lender is almost as important as choosing the right car. Each lender type brings its own balance of convenience, rate competitiveness, eligibility requirements, and support tools. Before you commit to an APR or sign a contract, consider which financing partner matches your credit profile, timeline, and service expectations.

Dealership Financing

Securing a loan directly through a dealership can be fast and straightforward. Many dealerships, including Certified AutoBrokers in Grand Island, NY, let you get pre-qualified online and complete the financing process in-store. This approach often means fewer steps between finding the car you want and driving off the lot.

Pros

• One-stop shopping: car selection and financing in the same place
• Special promotions: zero-down or low-rate deals during holiday events
• In-person support: staff can walk you through add-on options

Cons

• APRs may be higher than credit unions or banks
• Add-on fees (warranties, protection packages) can inflate your total cost
• Limited leverage: you may feel pressure to use the dealer’s in-house financing

Bank Auto Loans

National and regional banks offer auto loans to customers and non-customers alike. You can often apply online, manage payments through a familiar mobile app, and tap into branch support if you run into trouble.

Pros

• Convenient digital application and account management
• Potential rate discounts for existing customers or high balances
• Access to branch network for in-person service

Cons

• Generally higher APRs than credit unions
• Stricter credit requirements for best rates
• Limited flexibility on loan amounts and terms

Credit Union Auto Loans

Credit unions typically deliver some of the lowest APRs on used car loans, thanks to their member-focused, not-for-profit model. Membership may hinge on your employer, residence, or an affiliated organization, but once you join, you can enjoy competitive rates and personalized service.

Pros

• Lower average APRs (often 1–2% below bank rates)
• Personal service and community focus
• Flexible terms and fee waivers for members

Cons

• Membership requirements can be restrictive
• Fewer branches or ATMs if you live outside the credit union’s region
• May require a share savings account with a minimum deposit

Online Lenders and Marketplaces

Online lenders and marketplaces like LendingTree let you compare multiple offers with a single application. Many platforms use soft credit checks for pre-qualification, so you can shop rates without dinging your credit score.

Pros

• Quick pre-qualification with minimal impact on credit
• Side-by-side rate comparisons from banks, credit unions, and fintechs
• Entire process handled remotely, often with faster funding

Cons

• APR ranges can be wide, depending on which offers you qualify for
• Customer support may be limited to phone and chat
• Some lenders may charge origination or platform fees

Peer-to-Peer and Alternative Lenders

Peer-to-peer platforms match individual investors with borrowers, and buy-here, pay-here lots handle high-risk loans in-house. These options exist for borrowers who don’t fit traditional lending molds, but they come with trade-offs.

Pros

• Potential access for borrowers with limited credit history
• Non-traditional criteria may favor more applicants
• Some peer-to-peer sites let you shop unique loan structures

Cons

• Higher APRs and added fees to offset investor risk
• Less regulation and variable customer experiences
• In-person requirements (for buy-here, pay-here) can be inconvenient

With so many financing routes available, it pays to match your lender choice to your credit profile and comfort level. Whether you lean toward a local dealership’s convenience, a credit union’s low rates, or an online marketplace’s transparency, this comparison should help you zero in on the right fit for your next used car purchase.

Getting Pre-Qualified and Pre-Approved: Streamlining the Process

When it comes to financing a used car, getting clarity on your borrowing options before you set foot on the lot can save you time, stress, and potentially money. Pre-qualification and pre-approval are two distinct steps that give you insights into what lenders are willing to offer—and at what cost—without guessing or waiting until the last minute. Whether you prefer to handle most of the process online or want to speed up your visit to Certified AutoBrokers, understanding these tools puts you in control of your financing journey.

Pre-Qualification: Soft Credit Check Insights

Pre-qualification is a low-commitment way to find out what kind of rates and terms you might qualify for. When you fill out a pre-qualification request, lenders perform a soft credit inquiry, which does not affect your credit score. In return, you receive estimated APRs and loan amounts based on the information you provide—like your income, desired loan amount, and basic credit background.

By shopping pre-qualified offers, you can:

• Compare multiple lenders side by side without hopping from bank to bank.
• Get a ballpark figure for your monthly payment range.
• Streamline your dealership visit by starting with a clear budget in mind.

Certified AutoBrokers even lets you complete a quick online finance application so that your pre-qualification is ready when you arrive in Grand Island, NY. That means less paperwork on site and faster approval once you’ve found the right vehicle.

Pre-Approval: Hard Inquiry and Rate Lock

Once you’ve narrowed down your choices, moving from pre-qualification to pre-approval is the next step. This process requires a hard credit pull, which temporarily shows up on your credit report. In exchange, the lender gives you a firm commitment to lend up to a specified amount at a locked-in APR—usually valid for 30 to 60 days.

Pre-approval offers key advantages:

• Rate certainty: You know exactly what APR and loan amount you’ll get, guarding against last-minute surprises.
• Stronger negotiating position: A pre-approved loan behaves like cash in your pocket, making sellers more open to honing in on your final out-the-door price.
• Shorter closing time: Since most of the underwriting is done in advance, you can finalize the paperwork and drive off the lot sooner.

Be mindful that because multiple hard inquiries can affect your credit, it’s best to compare pre-approval offers within a short window—typically 14 days—to minimize any score impact.

Using Pre-Approved Offers to Negotiate Price

Armed with a pre-approved loan, you can separate the financing discussion from the vehicle price negotiation. Instead of juggling rate and price in one conversation, you secure your financing terms ahead of time. Then, when it’s time to talk numbers with the dealership, you simply present your financing as a done deal and steer the negotiation toward the out-the-door price—tax, title, fees, and all.

This approach unlocks several benefits:

• Transparency: You’ll see exactly how the sale price, fees, and financing interrelate.
• Leverage: Dealers know you have a committed lender; they may be more willing to reduce add-on fees or match competitive rates.
• Flexibility: If the dealer can’t meet your target APR, you can still proceed with your pre-approved loan—even if you buy your car elsewhere.

By taking these steps—soft-checked pre-qualification, firm pre-approval, and separating financing from pricing—you streamline the entire process and put yourself in the driver’s seat of your car-buying experience.

Using Auto Loan Calculators to Estimate Monthly Payments

Before you sign on the dotted line, it’s crucial to know exactly how much you’ll owe each month—and what that adds up to over the life of your loan. Auto loan calculators take the guesswork out of the equation by letting you plug in a few variables—loan amount, APR, term length, and down payment—to see instant monthly payment estimates. Playing with these numbers helps you balance a manageable payment against total interest cost, so you can pick the loan structure that fits your budget.

Most calculators also let you compare scenarios side by side. Want to see how a larger down payment or a shorter term affects your payment? Simply adjust the inputs and watch the results update in real time. Armed with this information, you can avoid unwelcome surprises at the dealership and negotiate from a position of financial clarity.

How to Calculate Your $40,000 Loan Payment

Let’s walk through a concrete example: financing a $40,000 used car at a 5.84% APR over 60 months. First, convert the annual rate to a monthly rate:

r = 5.84% / 12 = 0.004867 

Next, use the standard loan payment formula:

M = P * r / (1 - (1 + r)^(-n)) 

Where:

• M = monthly payment
• P = principal (loan amount), here $40,000
• r = monthly interest rate (APR ÷ 12)
• n = total number of payments (60 months)

Plugging in the numbers:

M = 40000 * 0.004867 / (1 - (1 + 0.004867)^(-60)) ≈ $1,020 / 1.652 = $617 

Your estimated monthly payment is about $617. Over 60 months, you’ll pay roughly $37,020 in principal plus about $3,020 in interest. If you adjust the down payment—say, 10% ($4,000)—your loan amount drops to $36,000, and the monthly payment falls to about $556 under the same APR and term.

Recommended Calculator Tools

• iDriveCertified Payment Calculator: Designed for our inventory and financing options, this tool lets you experiment with loan amounts, APRs, terms, and down payments in one place. (https://idrivecertified.com/payment-calculator)
• Bankrate Auto Loan Calculator: A long-standing, user-friendly calculator that breaks down principal, interest, and total cost over your chosen term. (Bankrate Auto Loan Calculator)
• LendingTree Auto Loan Calculator: Quickly compare how different rates and terms affect your monthly budget and overall interest paid. (LendingTree Auto Loan Calculator)

Experimenting with these calculators ensures you’re prepared before you walk into a dealership or click “apply.” By understanding the real impact of APR, term, and down payment, you can pick the loan that keeps your monthly payment in check—and your total cost as low as possible.

Tips for Saving Money on Your Used Car Loan

Saving money on your used car loan isn’t just about finding the lowest rate—it’s about optimizing every element of your financing package. Below are proven strategies that can shave points off your APR, reduce your total interest, and help you drive away with a smarter deal.

Making a Larger Down Payment

Putting more cash down upfront reduces your loan-to-value (LTV) ratio and lowers lender risk. Aim for at least 20% down whenever possible. A higher down payment means:

• Lower APR: Lenders often reward low-LTV borrowers with a discounted rate.
• Smaller loan: You’re borrowing less, which cuts total interest over the life of the loan.
• Built-in equity: You avoid being “upside-down” if the car depreciates faster than you’re paying it off.

Even boosting your down payment from 10% to 20% can trim your APR by a few tenths of a percent—translating to hundreds of dollars in savings.

Opting for a Shorter Loan Term

While a 72-month loan might feel tempting for its lower monthly payment, longer terms usually carry higher APRs and cost you more in interest overall. Compare:

• 60-month term at 6.0% APR
• 72-month term at 6.5% APR

The extra half-point APR on the longer term could add more to your interest than you save in monthly cash flow. If your budget can stretch, choose a 48- or 60-month term to lock in a lower rate and pay off the loan faster.

Negotiating Interest Rates and Fees

Don’t assume the first APR you’re quoted is final. Use any competing pre-qualification offers—from a credit union, bank, or online marketplace—as leverage. When you sit down with a lender or dealership finance manager:

• Ask if they’ll match or beat your best offer.
• Request waivers for origination or documentation fees.
• Clarify all add-on charges (warranties, processing fees) and see which ones can be removed.

A simple conversation can knock 0.25%–0.5% off your APR or eliminate hundreds in upfront fees.

Considering a Cosigner or Co-Borrower

If your credit profile is holding your APR hostage, adding a creditworthy cosigner or co-borrower can make a world of difference. A strong cosigner:

• Brings higher credit credentials to the application, unlocking better rate tiers.
• Shares legal responsibility, reassuring lenders and reducing perceived risk.

Just remember: any missed payment affects both parties’ credit. Choose someone you trust, and make sure you can consistently cover every monthly installment.

Leveraging Promotions and Manufacturer Rebates

Keep an eye out for seasonal incentives that can supercharge your savings. Certified AutoBrokers occasionally runs $0 down promotions and partners with manufacturers on cashback rebates—details you can track in the privacy policy. When shopping:

• Time your purchase around holiday or year-end sales.
• Factor manufacturer rebates (often $500–$1,500) into your down payment or principal reduction.
• Combine dealership deals with lender discounts for maximum impact.

By stacking these strategies—strong down payment, shorter term, fee negotiation, a cosigner, and timely rebates—you’ll position yourself for the best possible used car loan rate and pay significantly less over time.

Common Mistakes to Avoid When Comparing Lenders

Even savvy shoppers can slip up when evaluating auto loans. A few small oversights—like zeroing in on the wrong detail or skimming the fine print—can end up costing you big. To keep your monthly payment and overall interest in check, watch out for these common pitfalls before signing on the dotted line.

Comparing Only Monthly Payments

It’s tempting to pick the lender with the lowest monthly bill, but a cheap-looking payment can hide high fees or a stretched-out term. A 72-month loan might shave $50 off your monthly outlay, but over six years you’ll pay more interest than on a 48-month term. Always calculate the total cost—including interest and any extra charges—and compare that figure alongside your monthly budget.

Overlooking Fees That Raise Your APR

Origination, documentation, and title fees can add hundreds to your loan’s bottom line. When a lender quotes a low nominal rate, ask whether that includes all mandatory costs. Some dealers tack on a “processing” fee or a prepayment penalty that quietly bumps your APR. Get every fee in writing so you’re comparing apples to apples, and don’t be afraid to negotiate or shop those charges to zero.

Skipping the Fine Print on Loan Terms

Late-payment penalties, grace periods, and balloon payments often lurk in the legalese at the end of a contract. A $25 late fee or a 15-day grace period can derail your budget if you’re caught off guard. Take time to review terms around extra payments, defaults, and payoff timelines. If you plan to refinance or pay off your loan early, make sure there’s no punitive prepayment clause lurking in the fine print.

Ignoring Lender Reputation and Complaint Records

A great rate won’t matter if your lender’s customer service tanks—or if they bury you in hidden fees later. Before you apply, check the CFPB’s complaint database to see if there’s a pattern of issues with billing, communication, or unfair practices. A few isolated complaints aren’t a deal-breaker, but a steady stream of grievances is a red flag.
Search lender complaints on the CFPB site

Final Steps to Secure the Best Rate

You’ve learned how APR works, which factors influence your used car loan rate, and how to compare offers from banks, credit unions, dealerships, and online lenders. Now it’s time to bring everything together and lock in the deal that makes the most sense for your budget and credit profile. Follow these final steps to ensure you drive away with the best possible rate and terms.

1. Review Your Pre-Qualified Offers
   
   Gather your pre-qualification letters or rate estimates from various lenders. Double-check the APR, term length, and any associated fees for each offer. Confirm that those numbers align with the figures you saw in your online calculators so there are no surprises at signing.
2. Get Pre-Approved and Lock Your Rate
   
   Choose the lender with the most competitive combination of rate and fees, then complete a formal pre-approval. This hard credit pull locks in your APR—usually for 30 to 60 days—giving you confidence that your financing is set even before you pick out a car.
3. Negotiate the Out-the-Door Price
   
   With financing in hand, turn your attention back to the vehicle price. Present your pre-approved loan as cash in hand, and negotiate the total amount due—taxes, title, dealer fees, and all. Eliminating or reducing unnecessary add-ons can trim hundreds off your bottom line.
4. Finalize the Paperwork
   
   Once you’ve settled on a purchase price and confirmed your loan details, review the contract carefully. Look for any hidden fees, check the exact APR, and ensure all verbal promises are reflected in writing. After you sign, arrange for your down payment and confirm your first automatic payment date.
5. Drive Home with Confidence
   
   You’ve done the homework—comparing APRs, calculating payments, and negotiating both price and financing. The only thing left is picking up your keys and enjoying your new ride, knowing you secured the best rate for your credit profile.

Ready to get started? Browse our current selection and begin your pre-qualification online at Certified AutoBrokers: Search our inventory or complete your finance application to see tailored offers in minutes. Drive off the lot feeling confident you’ve made the smartest choice for your next used car loan.