Short answer
The application is three steps and takes a few minutes: enter your vehicle and contact details online, take a short confirmation call (usually within about 15 minutes), then review and sign your written terms. There is no branch visit, no credit check and no appointment. Funding can happen the same day.
Step 1: The Online Form
You enter your vehicle year, make, model and mileage, plus your name, phone, email and ZIP code. The vehicle details drive a Black Book valuation, which produces an instant estimate of what you may qualify for. Nothing is committed at this stage.
Step 2: The Confirmation Call
A local specialist calls — typically within about 15 minutes during our hours of 9:00am to 7:00pm CT, Monday through Saturday. They confirm your details, check that your title is lien-free and in your name, and go over your income so the payments are set at a level you can manage.
Step 3: Written Terms, Then Signing
Before anything is signed, you receive your terms in writing: the amount financed, the finance charge, the APR, the total of payments and the payoff date. Read them. If anything is unclear, ask — a lender that will not explain its own numbers is not one to use.
Once you sign and the title is handed over, funds are released, often the same day. You keep driving your vehicle throughout.
What Makes It Simple
- No credit check. Nothing to wait on, and past credit problems do not block you.
- No branch visit. There is no office; everything is phone and online.
- No perfect paperwork trail. Alternative income sources are accepted — benefits, pension, self-employment.
- No prepayment penalty. Pay it off early whenever you like.
What to Have Ready
A clear, lien-free title in your name; a government-issued photo ID; proof of income; and your vehicle details. Having these to hand is the difference between finishing today and finishing tomorrow. Full detail on the requirements page.
Simple does not mean risk-free. The loan is secured against your vehicle, so make sure the payment schedule genuinely fits your budget before you sign, and consider lower-cost alternatives if you have time.