Drive Your Dream Car with Flexible Financing from CarRTO

Bad Credit? No Problem

We specialize in providing financing options for all types of credit, including customers with poor or no credit history.

Flexible Payment Plans

We specialize in providing financing options for all types of credit, including customers with poor or no credit history.

Build Credit While You Drive

Financing through Credit Acceptance can help you rebuild or improve your credit score over time by making consistent, on-time payments.

See if you're pre-approved

Financing Your Next Car is Easier Than You Think

Step 1: Apply Online or In-Store

Fill out our quick and easy financing application. We’ve made the process simple, and our finance experts are available to assist if you have any questions. If you prefer, visit us at CarRTO, and we can walk you through everything on-site

Step 2: Review Your Approval Options

Once you submit your application, you’ll receive an approval decision from Credit Acceptance. We’ll explain your financing terms clearly and help you choose a plan that works for you.

Step 3: Pick Your Vehicle

Choose from our extensive inventory of quality cars, SUVs, and trucks. Our team will help you find the perfect match based on your budget and needs.

View Inventory

Step 4: Drive Home Happy

After finalizing the paperwork, you’ll drive away in your new vehicle with confidence, knowing that you have a reliable financing plan and a car that fits your lifestyle.

What financing options does CarRTO offer?

At CarRTO, we partner with trusted lenders to offer flexible financing options for all credit types. Whether you have excellent credit, poor credit, or no credit, we can help you find the best plan to suit your budget and get you on the road quickly.

Can I get approved for financing if I have bad credit?

Yes! At CarRTO, we believe everyone deserves the chance to own a vehicle. We work with specialized lenders who offer financing options for those with poor credit or even no credit history. Your past doesn’t have to hold you back from driving the car you want.

. How do I apply for financing?

Applying for financing at CarRTO is easy. You can either fill out our quick and secure online application, visit us in person, or call our finance department. We’ll work with you every step of the way to find a plan that works for you

How long does the financing approval process take?

In most cases, our financing approval process takes less than 24 hours. We aim to get you behind the wheel as soon as possible. You can even receive pre-approval before stepping foot into our dealership

What do I need to apply for financing?

A valid driver’s license

Proof of income (recent pay stubs or bank statements)

Proof of residency (utility bills or lease agreement)

Your social security number

Will applying for financing impact my credit score?

When you apply for financing, a soft credit check is often performed, which does not affect your credit score. If you choose to move forward with the financing, a hard inquiry may be done by the lender, which can have a small impact on your score. However, this is a normal part of the financing process.

Do you offer financing for first-time buyers?

Yes, CarRTO specializes in helping first-time buyers secure financing. We have programs tailored to new buyers to help establish credit while driving away in a reliable vehicle.

Are there any down payment requirements?

Down payments vary depending on the vehicle and your credit profile. However, we work with our lenders to minimize the amount required upfront, making it easier for you to get into your next car.