Financing

Every credit type is welcome

Pre-approval in minutes, no commitment. We work with multiple lenders to get you the best option — good, fair or building credit.

Today

Approval

$0

Commitment

33+

Years

Online application

Pre-approved in 3 simple steps

  1. 1

    Complete the application

    Takes under 5 minutes, right from your phone.

  2. 2

    We find your best option

    Multiple lenders compete for your approval.

  3. 3

    Pick your car and drive

    In most cases, the same day.

  • No commitment — applying doesn’t obligate you
  • First car, ITIN and new credit welcome
  • Questions? Call us at (305) 964-8117

Financing application

Data protected

Free · No commitment · Same-day response

Whatever your history

We finance every credit profile

Excellent credit

Access to the lowest rates and premium terms.

Good credit

Great rates with flexible term options.

Fair credit

Multiple lenders competing for your approval.

Building credit

First-time buyers and new credit welcome — an auto loan helps you build it.

Run the numbers

What would your monthly payment be?

Play with price, down payment and term to see an instant estimate. When you’re ready, pre-approval gives you the real number.

Payment calculator

Vehicle price
$25,000

Estimated monthly payment

$394/mo

Estimate for illustration purposes only. Not a financing offer. Rates subject to credit approval.

Benefits

Advantages of Pre-Approval

1

Save Time and Stress

Know exactly how much you can spend before you start searching. Focus only on options that truly fit your budget — no stressful negotiation.

2

Boost Negotiation Power

A pre-approval gives you an edge: with financial backing already in hand, you get better deals and better terms.

3

Know Your Options

Understand the rates and financing options available to you, and choose the one that best fits your finances.

4

Fast and Easy Process

In just minutes you get a clear picture of your purchasing power — and in most cases you drive off the same day.

Backed by the best

Capital One CARFAX Kelley Blue Book

FAQ

Financing FAQs

What are the requirements to get financing at Ambar Motors?

To obtain financing, we require a valid ID, proof of income, proof of address, and in some cases, a credit history. Each situation is evaluated individually to offer the best financing option.

Can I get financing if I have bad credit or no credit history?

Yes, at Ambar Motors we work with various lenders who offer financing options for people with bad credit or no credit history. Our goal is to help you find an option that fits your situation.

How much can I finance for the purchase of a vehicle?

The amount you can finance depends on several factors such as your income, credit history, and the value of the vehicle you want to purchase. We work with you to find the best available financing plan.

Can I make a down payment? Is it necessary?

A down payment is not always required, but making one can help you get better financing terms. The larger the down payment, the lower your monthly payments will be.

What is the interest rate for financing?

Interest rates vary depending on your credit score, the amount financed, and the loan term. We will provide you with specific details once we evaluate your application.

How long does it take to complete the financing process?

The financing process is usually completed the same day in most cases. Our team will work with you to expedite everything so you can drive off with your vehicle as soon as possible.

Do you offer refinancing options?

Yes, in some cases we offer refinancing options if you already have an auto loan. Our team will help you explore alternatives that can lower your monthly payments or improve your terms.

How can I make my financing payments?

We offer various payment options, including online payments, automatic payments from your bank account, or payments in person at our dealership.

Are there penalties for paying off the loan early?

No, we do not charge penalties for paying off your loan early. If you want to pay off your vehicle ahead of time, you can do so without incurring additional fees.

Can I transfer my financing to another vehicle in the future?

Depending on your financial situation and the lender, it may be possible to transfer your financing to another vehicle. We recommend contacting our team to discuss this option.

Prefer a hand?

Talk to our financing team

Your next car is one application away

Five minutes. No commitment. Same-day response.