Financing & prequalify

Real rates, real monthly payment
See your personalized rate from our network of lenders.
No impact to your credit
Prequalification with our lenders will not affect your credit score.
It only takes a few minutes
Answer a few basic questions and instantly see your personalized results.
Get prequalified

How it works

We make it easy — find the right car with the right features for the right budget.
1

Start with getting prequalified

Fill out a simple form in a few minutes, with no impact on your credit.
2

Search by your monthly budget

Once you're prequalified, enter your preferred down payment, loan length, and monthly budget to see all the possibilities in your budget.
3

Select an offer on the car you love

Each prequalified offer is unique to the car. Select a car, view your vehicle specific prequalified offers, and take it to your local dealership.
Get prequalified

FAQ about prequalification

FAQ

How do I get prequalified on Cars.com?

You can get prequalified by filling out a simple form here.

Where can I see my prequalified status on Cars.com?

You can see your status by going to Cars.com/prequalify. Make sure you are signed in to your Cars.com account.

When does my prequalification status expire?

Your prequalification status expires after 30 days of submiting the prequalification application. After that you can re-submit the form to re-new get prequalified again.

Where can I find my prequalified offers on the cars I am interested in?

We have sent you an email with your offers. Make sure you have checked your spam folder. You can also go to your profile on Cars.com, and click on 'Your Financing' to see all your active offers.

What should I expect at the dealer after being prequalified on a car?

Contact the dealer to make sure that the car is available and schedule a test drive. Take your offer to the dealer and feel more confident on your financing options on the car you have chosen. If you want to purchase the car, make sure you take your driver's license, proof of insurance, proof of income, and proof of residence, to speed up the purchase process. Terms are not final until you complete financing at the dealer.

Can I use my prequalified offer to purchase the car?

Yes, you will need to submit a credit application and continue the financing process at the dealer. Terms are not final until you complete financing at the dealer. Make sure you take your driver's license, proof of insurance, proof of income, and proof of residence, to speed up the purchase process.

What if the car I am prequalified for is not available at the dealer?

Once you get prequalified for a car at a dealer, it is highly likely that you are prequalified for similar cars at the dealer. Ask the dealer to show you additional cars that you could be prequalified for. You will have to submit prequalification for each of those vehicles, but it will not impact your credit score.

What lenders participate in prequalification on Cars.com?

Currently, Westlake Financial, Capital One, and GLS are our in-network lenders.

Will your in-network lenders finance all cars that are on Cars.com?

Each of our lenders have a direct relationship with the dealers who advertise on Cars.com. A lender will finance the car for the dealers they directly work with. The vehicle details on Cars.com will show you the financing options available to you.

Which lender is my rate from?

You will see the name of the lender next to the offer presented to you.

Not all customers will qualify. All decisions related to submission of consumer’s credit application, assignment of financing agreement, and available lenders are at sole discretion of the dealer. Cars.com is not an automobile dealer or a lender, and will not render a credit decision.