In-House Financing
Financing at Test site happens at our desk, not at a bank across town. We look at your actual income and your actual budget, then structure a plan you can live with — whether your credit score is a trophy or a work in progress. Decisions land the same day.
Apply for FinancingRun the numbers
Estimated Monthly
$612
Estimate only. Actual rate and payment determined by lender at approval.
Bring $10,000 down and our rates start undercutting the banks — pending credit review.
What you get
Six things every financed deal at Test site comes with — no fine print required.
Our own lending book plus a bench of partner lenders means your application gets shopped for the sharpest number — not parked with whoever pays us most.
Apply in the morning, hear back before closing time. Most files get a decision inside one business day, with the numbers spelled out.
Spotless, bruised, or brand new — we write plans for all of it. Where you've been matters less to us than where the payments fit.
Roll your current car into the deal. We appraise it on the spot and the value comes straight off what you finance — one transaction, one signature.
From 12 to 72 months, with the payment, rate, and length adjusted until the monthly number sits comfortably inside your budget.
The $150 doc fee is the only extra on the page. APR, payment, and total cost are printed before you sign — the paperwork holds zero surprises.
The Process
Four moves, most of them ours. Your part takes about five minutes.
01
Five minutes, fully secure, and it starts as a soft pull — your credit score doesn't take a hit for asking.
02
The same day, our finance desk comes back with what you're approved for: the rate, the term, the monthly payment.
03
Tune the structure until the monthly figure works, then sign everything digitally from wherever you are.
04
Collect the car at the showroom or have it shipped to your door. The first payment isn't due for 30 days.
In Their Words
What the desk experience actually feels like, from the people who sat across it.
“Sent the application on my lunch break and had my approval before dinner. Every number — rate, term, total — was on the table before they asked for a signature.”
“A repo from years back was still haunting my credit. Instead of a lecture I got a payment plan matched to my actual paycheck. Eighteen months in and it's never been late.”
“This is the third vehicle I've run through their finance desk. File was already there, docs signed from my couch, truck on my street by Saturday. That's why I keep coming back.”
“The quote I got at the start was the bill I paid at the end — to the dollar. Nobody tried to bolt on a warranty package or slip in a fee. Rare, and appreciated.”
The form below goes straight to our finance desk. Expect your options — clearly priced — within one business day.
Application
Fill in the form and our finance team will contact you within one business day. Your data is encrypted and never shared.
