Apply once and we shop it to the lenders we work with. You get a real answer from a person in our finance office, and nothing is submitted to a lender until you say so.
Finance office
Mon–Fri 9:00–19:00 · Sat 9:00–17:00
Ask for the finance desk. Applications are reviewed during these hours.
How it works
01
Five minutes, no social security number on this form. Tell us about income, housing and the car you have in mind — or leave the car blank.
02
Our finance office presents your application to the banks and credit unions we work with, and comes back with the options side by side.
03
Pick the term and payment that suit you. Sign in the showroom or remotely, and we deliver the car or hand you the keys here.
Payment estimator
Estimate only. Not an offer of credit. Excludes taxes, licensing and optional products. Your rate depends on approved credit, term and the vehicle.
| Vehicle price | $35,000 |
| Down payment | $3,500 |
| Amount financed | $31,500 |
| Annual percentage rate | 7.49% APR |
| Term | 60 monthly payments |
| Monthly payment | $631 |
| Total cost of credit | $6,360 |
Illustration for a well-qualified buyer. Figures rounded. Your terms may differ.
Valid driver's licence
Proof of income — two recent pay stubs or last year's return if self-employed
Proof of residence — a utility bill or lease
Proof of insurance, or we can connect you with a broker
Title and payoff details if you're trading in
Good to know
Lenders price by risk. A thin or bruised file usually means a higher rate, not a no — and a solid co-applicant or a larger down payment can change the tier you land in.
Money down lowers the amount financed and the interest you pay over the term. Ten to twenty percent is a common target on a used vehicle; a trade-in counts.
A longer term lowers each payment and raises the total cost. We'll show you the same car at 48, 60 and 72 months so the trade-off is visible, not buried.
Pre-approval request
No social security number is collected here. A finance manager will call to complete the application — your credit is only pulled with your permission at that point.
Encrypted in transit. Not shared with lenders until you approve.
01A finance manager calls to confirm details and answer questions.
02With your go-ahead, we submit to our lenders — one pull, shopped to several.
03You get the options in writing before you decide anything.
Bring the letter. We'll tell you honestly whether we can beat it, and we'll work with your bank or credit union if we can't.
Questions
Something missing? Call the finance office or ask in the form above — it goes to the same people.
Sending this form does not touch your credit. When you approve a full application we make one inquiry and shop it to our lenders together — several lenders looking at one pull is treated as one event by the bureaus.
Usually, yes. We work with lenders across the credit spectrum. Expect a higher rate and possibly a larger down payment; a co-applicant with established credit often widens the options.
Lenders pay dealers for arranging financing, and that is disclosed below. What we commit to is showing you the options side by side, in writing, including the rate each lender approved.
Every contract we arrange is simple interest with no prepayment penalty. Paying early or paying extra reduces the interest you owe.
Absolutely. Bring the approval letter or have your bank send a draft. We will also tell you plainly whether we can beat it.
Most applications submitted during finance-office hours get a decision the same day. Weekend and evening submissions are reviewed the next business morning.
Disclosures
Financing is provided by third-party lenders and is subject to credit approval. Not all applicants will qualify. Rates, terms and payment figures shown on this page are illustrations for a well-qualified buyer and are not an offer or commitment to lend. Your actual rate depends on your credit history, the vehicle, the term, the amount financed and the lender's current programs. Payment estimates exclude taxes, title, licensing, registration and any optional products. Meridian Motorcars receives compensation from lenders for arranging financing.
Pre-approval requests submitted through this page do not authorise a credit inquiry. A credit report is obtained only after you complete a full application and provide written consent. Meridian Motorcars is a licensed dealer, licence no. ——.
Written estimate within one business day; confirmed in person.