Financing Center · All Credit Welcome

Financingmade easy.

Apply online in under three minutes. Get matched with the right lender for your credit. Drive home with payments that actually work for your budget.

Get Pre-Approved

Apply forfinancingtoday.

Our soft-pull pre-approval won't impact your credit score. Check your rate, see your options, then pick your vehicle — all before you step on the lot.

Under 3 min
Application Time
/01
Soft Pull
No Credit Score Impact
/02
20+ Lenders
Ready to Compete
/03
Three simple steps to get you driving

Buying a car hasnever been easier.

Step One

Fill Out Our Application

Complete our quick online form in just 5 minutes

Step Two

Get Matched With Lenders

We work with dozens of lenders to find you the best rate

Step Three

Drive Home Today

Get approved and pick your vehicle — often same day

Payment Calculator

Estimate yourmonthly payment.

Drag the sliders to see how price, down payment, term, and credit affect your monthly. Rates shown are estimates — your actual rate depends on your application.

Vehicle price$24,500USD
$5K$20K$35K$50K$65K
Down payment$3,000USD
$0$5K$10K$15K
Loan term60 mo5 yrs
3648607284
Credit tier
◼ EstimateLive · Updates as you drag
Estimated monthly payment
$431/MO
@ 7.49% APR · 60 months
Amount Financed
$21,500
Total Interest
$4,343
Total Paid
$25,843
Apply with these terms

Figures are estimates for illustration only. Final rate, term, and payment will be confirmed at approval.

Shoreline Auto Center dealership
15K+
Happy Customers
Why Shoreline Auto Center

Why Finance With UsReal trust.Real value.

We make car financing simple and stress-free

01

ALL CREDIT TYPES WELCOME

Bad credit, no credit, first-time buyers — everyone is welcome

02

COMPETITIVE RATES

We shop dozens of lenders to get you the lowest rate possible

03

FAST APPROVAL

Get pre-approved in minutes, not days

04

NO HIDDEN FEES

Transparent pricing with no surprises at signing

What You'll Need

Four simpledocuments.

Have these ready before you apply and the whole process moves faster. Missing something? Call us — we can often work with what you have.

/01

Valid driver'slicense

Any state-issued driver's license, current and unexpired.

Required
/02

Proof ofincome

Recent pay stubs (last 30 days) or two years of tax returns if self-employed.

Required
/03

Proof ofresidence

A utility bill, lease, or mortgage statement from the last 60 days.

Required
/04

Insuranceinformation

Proof of auto insurance or your current provider — we can help set this up too.

Before Pickup
20+ Lender Partners

Real lenders.Competing for you.

When lenders compete, you win. We submit your application to a network of national and regional lenders, then bring you the best offer — across every credit tier.

Capital One
Ally
Chase Auto
Wells Fargo
Santander
Navy Federal
PenFed
TD Auto
Bank of America
Truist
Westlake
+ 9 More
FAQ

Financing FAQs

Can't find what you're looking for? Give us a call or stop by the lot — we're happy to help.

Call Us Direct
(757) 965-6767

We work with all credit types including bad credit, no credit, and first-time buyers. There is no minimum credit score requirement to apply.

Most applications are reviewed within a few hours. In many cases you can get approved and drive home the same day.

Yes, adding a co-buyer can strengthen your application and may help you qualify for better rates.

You will need a valid photo ID, proof of income, proof of residence, and proof of insurance.

Absolutely. We specialize in helping first-time buyers. Our team will guide you through every step of the process.

Ready to Get Started?

Your next car isone applicationaway.

Apply online in minutes, drive home today. Questions? Give us a call — we're here to help, seven days a week.

  • Soft credit pull only
  • Under three minutes to apply
  • All credit tiers welcome
  • Decision in 15 minutes or less
Apply for FinancingCall (757) 965-6767

No credit or been turned down before? We also finance in house — see how our Buy Here Pay Here program works and who it’s a fit for.

Buy Here Pay Here
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