Get pre-approved
Get pre-approved for a car loan fast
We work with all types of credit history: good credit, bad credit, any credit. Get pre-approved & lock in your rate.
Are you applying for financing for yourself, or jointly with a co-borrower?
Pre-approval puts you in control of the car buying process
Even if you're still only dreaming about buying a car, getting pre-approved for financing is the absolute best first step you can take. Having a bank's approval in hand gives you the full negotiating power of a cash buyer. You'll save time a ton of time at the dealership, too
Know your price range
When you get pre-approved, you'll know precisely what you can afford to pay every month based on your other bills and commitments. It's the best way to get peace of mind with your purchase.
Bad credit? No problem
Once you're pre-approved, you're guaranteed a car loan. This is the case whether you have bad credit or are a 1st-time buyer with no credit history at all. We help make dreams come true every day!
No-stress buying
When you know exactly what you can afford, buying a car is a totally stress-free transaction. You can easily weed out cars that don't fit your budget picture and focus on finding an affordable car you'll love.
Speed it up
Hate waiting? Nothing streamlines the car buying experience like a loan pre-approval. You'll shave off 1+ hours at the dealership because you were smart and took care of the financial details ahead of time.
Find out your rate ASAP
Don't have apre-approval? Then you don't know your loan rate or your monthly payments. Apply now! We'll tell you right away what rates you qualify for,so you'll know your monthly payment.
Shop online with confidence
Knowing what you can afford before you get to the dealership makes your vehicle transaction easy. Pre-approval is the best way to strike while the iron is hot and get the best rates to find the best car for your budget.
Car buying made simple
Get pre-approved ASAP
All it takes is 2 minutes to fill out the secure online car loan application above. You're on your wayto getting the best deal possible.
Lock in an amazing rate
Brighton Motors works with a wide variety of local credit unions and national lenders to secure the lowest rates available for you.
Pick a car you'll love
Search our massive inventory of top-quality used cars, trucks and SUVs that are 3 years old or younger.
Dealer to doorstep delivery
Take advantage of home delivery: it's free within 50 miles of the dealership. Or finish up the paperwork in our showroom.
Start driving!
Congratulations! You just got an awesome deal on the perfect car for your budget and lifestyle.That was easy!
Frequently asked questions
I don't have a clean credit history. Can I still get pre-approved for a car loan?
Yes! Even if your credit history is poor, our expert staff can secure your financing — regardless of your immigration status or past denials. We work with 12+ local credit unions and national lenders to secure the lowest rates available to you. And we do all the negotiating behind-the-scenes on your behalf.
What if I'm a first-time buyer?
We have special programs first-time buyers with little or no credit history. Brighton Motors is ready to help you establish your credit and finance your car at a great rate.
Is being pre-approved the same as being pre-qualified?
Definitely not. A pre-approval guarantees you a car loan from a bank or credit union. It turns you into a cash buyer and saves you a ton of time at the dealership. A pre-qualification is just a rough guesstimate of what rates and amounts you may qualify for — with no guarantees of a loan.
I need a car right away. How fast can I get pre-approved?
All of our pre-approvals are expedited. If you fill out an application today, you can expect an offer immediately: often within 24 hours.
What about a down payment?
This varies from buyer to buyer. If you have a solid, established credit history, you may not have to put any money down. And if your credit has hit some bumps along the way, we'll work with you to keep your out-of-pocket costs as low as possible.