Explore Your Financing Options

At Shift Happens Auto Sales, we work with multiple financial institutions to offer the best financing solutions for your next vehicle purchase. Whether you're a first-time buyer, have a challenging credit score, or just want the best rates, we have an option for you.

Bad Credit Financing

If you've had challenges with credit in the past, we can help! We specialize in bad credit financing to get you behind the wheel of your dream car.

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First-Time Buyer

If this is your first vehicle purchase, our team will guide you through every step to ensure you get a fair and affordable loan.

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Low Interest Rates

Enjoy the best interest rates available for qualified buyers. Our goal is to save you money while getting you into the car you deserve.

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Ready to take the next step? Apply for Financing Now

Credit Tips & Detailed Advice

Struggling with bad credit can feel like a roadblock, but it's not the end of your journey. Our bad credit financing program is designed to help you rebuild your credit score while getting you into a reliable vehicle. Here’s how we help:

  • Tailored Loan Terms: We work with financial institutions to craft loan agreements that consider your unique situation.
  • Credit Rebuilding Opportunities: Making consistent, on-time payments on your car loan can significantly improve your credit score.
  • No Judgment Policy: Our team believes in second chances, focusing on your future, not your past.

Pro Tip: Before applying, obtain a copy of your credit report to identify any inaccuracies that might be dragging down your score.

Purchasing your first vehicle is exciting but can feel overwhelming. We’re here to simplify the process with guidance tailored to first-time buyers. Consider these tips:

  • Establish a Budget: Know what you can afford, including monthly payments, insurance, and maintenance costs.
  • Understand Your Credit Score: A higher credit score means better loan terms. If your score is low, focus on improving it before buying.
  • Choose Wisely: Opt for a reliable, fuel-efficient car that fits your needs and is within your budget.

Pro Tip: Consider getting a co-signer with a strong credit history to secure better loan terms.

A low-interest rate can save you thousands of dollars over the life of your loan. Here’s how to position yourself for the best rates:

  • Improve Your Debt-to-Income Ratio: Pay off debts to demonstrate financial stability.
  • Shop Around: Different lenders offer different rates—explore your options before committing.
  • Pre-Approval Benefits: Getting pre-approved shows sellers you’re serious and often comes with competitive rates.

Pro Tip: Financing through credit unions often yields better rates than traditional banks.

Good credit is essential for securing the best financial opportunities. Here’s how to maintain it:

  • Timely Payments: Never miss a due date—set up automatic payments or reminders.
  • Keep Balances Low: Aim for a credit utilization rate below 30%.
  • Diversify Credit Types: A mix of credit cards, loans, and other accounts shows lenders you can handle various obligations.
  • Monitor Your Credit: Regularly check your credit report to ensure accuracy and catch fraud early.

Pro Tip: Avoid closing old credit accounts unless absolutely necessary. Longer credit history boosts your score.

Our Simple Financing Process

Step 1: Apply for Financing

Start your journey by filling out our quick and straightforward online application. Provide basic details about your financial situation to get pre-approved in minutes.

Why It’s Easy: Our user-friendly platform ensures a hassle-free experience, guiding you every step of the way. Click here to apply now.

Step 2: Choose Your Car

Browse our extensive inventory of vehicles tailored to every budget and lifestyle. Use our advanced filters to find the perfect match in no time.

Pro Tip: Take advantage of our test drive options to ensure the car fits your needs perfectly. Once you've found your dream car, get pre-approved for financing here.

Step 3: Finalize Your Deal

Once you’ve chosen your car, our finance experts will work with you to finalize the loan terms. We ensure full transparency with no hidden fees.

What to Expect: Quick paperwork processing and support in understanding every detail of your agreement.

Frequently Asked Questions

Financing with Shift Happens Auto Sales gives you access to competitive interest rates, flexible payment options, and personalized assistance from our finance experts.

  • Competitive Rates: Our partnerships with top financial institutions allow us to secure some of the best rates in the market.
  • Flexible Terms: Choose a payment plan that works for your budget, with terms ranging from short to long durations.
  • Credit Options for All: Whether you have excellent credit or are rebuilding your score, we offer tailored financing solutions to fit your needs.
  • Transparency: No hidden fees or surprises—just straightforward, honest service.

At Shift Happens Auto Sales, we prioritize efficiency to get you approved as quickly as possible. Our streamlined application process is designed to save you time:

  • Pre-Approval: Complete our online application in minutes and receive pre-approval almost instantly.
  • Quick Turnaround: Most customers receive final approval within a few hours, depending on the complexity of the application.
  • Dedicated Support: Our finance team works behind the scenes to expedite the process, ensuring you can focus on choosing your vehicle.

While the approval speed may vary based on factors like credit history and income verification, most customers can drive away in their new car the same day!

Yes, trading in your old car is a great way to reduce the cost of your new vehicle. Here’s how the process works:

  • Vehicle Appraisal: Bring your car in for an appraisal by our experts, who will assess its condition, mileage, and market value.
  • Instant Offer: We provide a fair and competitive trade-in offer on the spot, ensuring transparency throughout the process.
  • Down Payment Assistance: Use the trade-in value as part of your down payment to lower your monthly payments on the new vehicle.

Trading in your car with us is hassle-free, and we accept vehicles in a wide range of conditions.

Applying for financing is straightforward, and having the right documents can speed up the process. Here's what you'll need:

  • Proof of Identity: A valid government-issued ID (e.g., driver’s license, passport).
  • Proof of Income: Recent pay stubs, tax returns, or bank statements showing consistent income.
  • Proof of Residence: A utility bill or lease agreement to verify your address.
  • Credit History: While we can pull your credit report, providing a recent copy can help the process.

Additional documents may be required based on your credit profile, but our finance team will guide you every step of the way.

Absolutely! We specialize in helping customers with no credit history or low credit scores secure financing. Here’s how we do it:

  • Special Programs: Our bad credit financing program is designed to help individuals build or rebuild their credit while purchasing a reliable vehicle.
  • Flexible Terms: We work with lenders who offer flexible terms for customers in unique situations.
  • Co-Signers: Adding a co-signer with good credit can improve your approval chances and lower your interest rate.

Your credit journey starts here, and we’re committed to making the process simple and stress-free.

In most cases, there are no penalties for early loan repayment. However, it’s essential to check the terms of your specific loan agreement. Here’s what to keep in mind:

  • No Penalty Loans: Many of our financing options allow for early repayment without additional fees, saving you money on interest.
  • Loan Agreement Terms: Always review the fine print to ensure there are no prepayment penalties.
  • Benefits of Early Repayment: Paying off your loan early can improve your credit score and free up funds for other expenses.

Our finance team can help you understand your loan’s terms and explore options that suit your financial goals.

What Our Customers Say

"I never thought I could get approved with my credit, but Shift Happens Auto Sales made it possible. The process was smooth and easy!"

- Sarah K.

"As a first-time buyer, I had a lot of questions. The finance team walked me through everything. I’m driving my dream car today!"

- James D.

"Fantastic experience! The team went above and beyond to help me secure the best financing."

- Emily R.

"The entire process was smooth and hassle-free. Highly recommend Shift Happens Auto Sales!"

- Mark T.

Join hundreds of satisfied customers! Apply for Financing Today