Financing

Small-bank rates, big-dealer flexibility.

Home · Financing
Plain-English financing

Financing built around your budget, not ours.

We work with a small panel of community banks and credit unions across New York, including Bank of Utica, NBT Bank and Sidney Federal Credit Union, so most buyers can be approved without leaving the lot.

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Soft-Pull Pre-Qualification

Get an indication of the rates and terms you qualify for without affecting your credit score.

Flexible Terms

Loan terms typically range from 24 to 72 months, with down payments starting at $1,500 on most inventory.

Second-Chance Programs

Bruised-credit and first-time buyer programs available through our credit-union partners.

Pre-qualification request

This form does not pull your credit. We'll review and reach out within one business day.