Prescott's ONLY guaranteed approval dealership!

Finance FAQs

We specialize in providing the right products for our customers. Not every deal is the same, and we NEVER force you to choose the best options for us. We do what is right by you, our customer.

Under $10,000 NO CREDIT CHECK!

This is what many will come to CarXpress for! Reliable and inexpensive inventory. Your job is your credit, and we remain the leinholder. Buy here, pay here! Your credit history/ repos/ bankruptcies do not matter. We offer this at 0% APR!

Over $10,000/ Credit Unions

Were honest and want to save us all time! If you have a credit score of 680 or higher, our Premium and Concierge program vehicles are for you! We have highly competitive credit unions and banks, starting at 3.79%*. Paired with excellent pricing, you cannot go wrong!


*eyeroll* another one.... You clicked on it, you were thinking it! 

We are a mother and son operation and believe in helping those out in our community. If you put a minimum of 50% of the list price down, we offer your loan at 0%! Regardless if you're a single mom, student, public servant, or a longtime member of the community. You deserve to not be taken advantage of. If you have any questions,  call or text 602-688-2277.

If you need traditional financing our process is simple. Just select the specific vehicle that best meets your needs then submit an online credit application. Once approved, we will then help you find the right finance option for you. 

For our Buy Here Pay Here program, we are the lender and can move much quicker than traditional banks and dealerships. The process is so fast and easy you will be wondering why you haven't bought a car like this before!!! Submit a credit app online, and we handle the rest! 

To go over any specific questions with the process, call or text 602-688-2277.

Financial institutions typically take four major factors into account:
1. Specific vehicle Information, including the year, make, model, and mileage.
2. Applicant Information, including employment, residence, and income information.
3. Credit score and payment history, via Equifax, Experian, and / or TransUnion.

4. Amount of down payment and / or any vehicle trade-in equity value.

Our credit unions and commercial lenders are each offering rates starting at 3.49% & 7.49%, respectively, as of Oct. 2021. For current rates call or text 602-688-2277.

Our Buy Here Pay Here Program is less than the industry average, and we do offer 0% APR as well!!!

We can work with the vast majority of credit profiles. Even people with past problems can still enjoy the same no-haggle pricing, quality, and exceptional customer service that we give each and every one of our customers.

If you have a repo, bankruptcy, or open auto loan that is holding you back from getting financed elsewhere, this is your chance! YOU ARE NOT a measly 3 digit number that determines everything. Stability is a key role in our decision making for loan origination. Missed a payment or bigger issuers, were all happens! Lets build a future, for you, together. 

Everyone is different, to chat confidentially about your unique credit situation, call or text 602-688-2277.

Of course! First time car buyers can still qualify for financing options, even without a previous vehicle purchase on their record. Our commercial lenders have programs for first time buyers. 

We even help you to build your auto credit* with a Buy Here Pay Here product from CarXpress!

*based on good payment history in a timely manner, expected to broadcast payment history to credit bureaus by Jan. 2021. 

The list is fairly easy and can usually be put together in about 15 short minutes. Please bring :

- a valid state-issued driver's license,
- a piece of mail or current bill displaying your current address,

- a current paystub dated within the last 30 days.
- poof of your current auto insurance or we can help you get insurance at the dealership!

Additional information may also be required so please contact us for any questions on required documentation.

If you need a printer for any of these documents, you can email them to us or login to a computer at the dealership to print them off. Schedule an appointment by call or text 602-688-2277.

Our dealership has affiliations with many local credit unions, major banks and specialty finance companies. Let our relationships work for you! The large volume of auto loans that we provide to lenders allows us to negotiate better terms for your loan than you probably can on your own. You are in the driver's seat! We make it easy to receive a desirable loan at the credit union, bank or finance company of your choice. 

Our credit unions and commercial lenders are each offering rates starting at 3.49% & 7.49% respectively as of Oct. 2021. For current rates call or text 602-688-2277.

I will have a high down payment wont I?

9Banks will require typically 15-30% of the purchase price down. (That could be 3,000 on a $10,000 car!) AND it may be more or less depending on your credit and that bank's lending decision. 

CarXpress works much differently. We look at the price of the vehicle and stability of your profile (employment, residency, trade, down payment). We do have a few select vehicles in stock that have down payments starting as low as $800 (contact us for details). 

For current prices on inventory and what the down payments are, call or text 602-688-2277.

All of our accounts are paid bi-weekly and conveniently timed to your paycheck!!! 

We set as your due date for your auto loan. 

It is important to keep your auto loan current at all times to ensure your payment history is in " good standing" for credit reporting purposes. Bi-weekly seems to be the choice of many for payment frequency. 

We rarely, and under extenuating circumstances take monthly payments. If you have a question regarding payment frequency, call or text 602-688-2277.! This is just old industry lingo. We do like to see all of our customers as we do develop a relationship with each and every one. But we have partnered with Car Financial in Phoenix to collect our payments for us. If you have a loan, you can reach them at 602-234-3800. 

WE DONT WANT YOUR CAR BACK! Regardless if you're a single mom, student, public servant, or just a longtime member of the community. You deserve to NOT to be taken advantage of. If we remain the leinholder, you can rest assured you will always be treated fairly, equitably, and like a human. Never a number. And we make every possible attempt to ensure your loan remains serviced by us, in house...LOCAL. 

While there are a few customers that do result in repo, that is the necessary evil after clients do not maintain communication and continually break promises. 

We are very open about the three things to avoid a repossession- 

Communication, Insurance Remains Active, and A Willingness to Pay On-Time.

The owners of CarXpress are willing to work with you! Let's chat about your next vehicle purchase, call or text 602-688-2277.

This is a very common question we get. Interest should be looked at with two things: Percentage Rate/ APR, and Actual Amount of Interest Paid. 

The APR with any Buy here Pay Here is typically high (25-30%). On deals that provide 50% down, we offer loans at 0% APR. To save you on the Actual Amount of Interest Paid, we reduce your term to as short as possible, and you pay on your loan more frequently (biweekly payments).