(859) 624-6636

Locations & Hours

Closed. Opens Wednesday at 8:30 AM

Apply for a car or truck loan online

Save 1 hour at the dealership

Any credit score or credit history — we can get you approved!

Contact Information(Step 1 of 5)

Are you applying for financing for yourself, or jointly with a co-borrower?

Current Address(Step 2 of 5)

Employment Information(Step 3 of 5)

Consent & Verification(Step 4 of 5)

Confirmation(Step 5 of 5)

Get pre-approved today to get the car you want

Getting pre-approved online puts you in the driver seat.

You’ll have the interest rate and loan information you need to make a smart car buying decision without any delay.

All credit scores welcome

Good credit, bad credit, no credit — we can get you approved for a new car loan no matter what your credit score or history is. We work with 16+ lenders to be able to offer a car loan financing solution for everyone.

Lock in your deal

It’s not a sales ploy: there really is a global microchip shortage that has created intense competition for used cars. When you spot a good deal, you’ve got to be ready to act fast. When you’re pre-approved, you’re ready to buy.

The numbers you need

When you’re pre-approved, you’ll know your exact interest rate, loan term, and the amount a lender is willing to borrow to you. This makes it easy to shop within your budget using the “Shop by payment” option on the Richmond Car and Truck Center website.

Clear and easy

Being pre-approved for a car loan makes it easy to understand exactly how much you can spend, making it easy to focus only on vehicles in your budget. Then, use our car comparison tool to help choose which features are worth more to you.

Best lender network

At Richmond Car and Truck Center, we work with a large lender network to be able to offer financing options for everyone. For car buyers with excellent credit, this can mean low interest rates and favorable down payment terms while credit challenged buyers can get approval that will help them to improve their credit score.

Your car NOW

Ready to buy now? Hate waiting? Then you need to get pre-approved online for a new car loan. You’ll get the auto loan financing you need to lock in a quality vehicle and save yourself 1+ hours in the dealership financing office.

Easy approvals

Applying for a car loan using the form above takes just minutes, but it can save you 1+ hours at the dealership.

Approval for all

Good credit, bad credit, bankruptcy, or repossession — we’ve got a car loan financing solution for just about every score or situation.

Wide selection of used vehicles

We carry all makes and models of vehicles for sale from top brands like Chevrolet, Ford, Jeep, Lexus, Subaru, Toyota, and more.

Best trade-in value

As a Kelley Blue Book Instant Cash Offer dealer, you’re guaranteed to get the amount in your instant appraisal – and maybe even more! Plus, you’ll get paid fast.

Frequently asked questions

What credit score do I need to get a car loan?

There’s no minimum credit score required to apply for a car loan at Richmond Car and Truck Center. We work with a large network of lenders from prime to subprime to be able to offer financing for people regardless of their current credit score or credit history. Our goal is to approve 100% of car loan applications.

Will I need a cosigner on my car loan?

Maybe. Depending on your credit score, a cosigner may be able to help you secure a car loan with a lower interest rate or more favorable terms than you would be eligible for on your own. We make it easy to apply for a car loan with or without a cosigner.

If I have bad credit, can I get pre-approved?

Absolutely. We want to make car ownership attainable for everyone which is why we work with a diverse lender network. We believe you are so much more than you credit score. You’ll get the same friendly experience and expert guidance regardless of credit score or history.

Do I have to get pre-approved online?

Of course not! If you’d like to come to the dealership to get pre-approved in person, we’d love to have you! There is an advantage to getting pre-approved online: time. Right now our inventory is selling FAST so if you want to be able to have your pick of any one of the cars, trucks, vans, or SUVs on our lot, it’s a good idea to get pre-approved before you start shopping.

How can I lower my monthly car payment?

The monthly payment on a car loan is going to be based on three things: the amount you borrow, how long you borrow it for, and what your interest rate is. Your credit score will determine the interest rate of your loan making it the hardest factor to control. You may be able to enlist a cosigner to help you secure a better rate, but that’s not always the best option. The easiest way to get a lower monthly payment is by lowering the amount you borrow. You can do this by having a big down payment, having a trade-in vehicle, or choosing a less expensive vehicle. Another option is to choose a longer loan term, although keep in mind that while this lowers your monthly payment, this often will cause your total repayment amount to increase.

Can I afford a new car?

That is entirely up to you, but we try to make it easy for you to make a decision with a handy car loan calculator tool as well as the ability to shop for a vehicle using customizable monthly payment terms that allow you to see exactly how much you’d pay for the vehicle you’re interested in.

Get pre-approved