Approval is often based on proof of income and residency rather than a credit score.

Buyers can often complete the application, select a vehicle, and drive off the lot on the same day .

At a typical car dealership, the dealer acts as an intermediary, connecting you with third-party lenders like banks or credit unions. In contrast, a dealer provides in-house financing . This means they use their own capital to underwrite your loan, allowing them to set their own approval standards and interest rates.

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