In-house financing
Get pre-approved in 24 hours—no credit check
Cheap Cars Connect USA runs every loan in-house. Bring 10% down, fill out the form below, and we'll email your decision within one business day. Flat 15% APR for everyone—no credit pull, no third-party lender, no surprises.
Apply
Fill out a short application—name, contact, income, and the vehicle you want.
Review
We review in-house. No credit check, no third-party lenders, no inquiries on your report.
Pre-approval
Decision delivered to your email within 24 business hours with your exact monthly payment.
Drive
Bring 10% down, sign in person or remotely, and pick up—or have it delivered.
In-house payment calculator
- Vehicle price
- $8,000
- Down payment
- $1,200 (15%)
- Amount financed
- $6,800
- Interest rate
- 15% APR (flat)
- Total interest
- $1,686
- Total cost of loan
- $8,486
Estimate only—final monthly is locked at signing. No prepayment penalty.
Why in-house financing
- ✓No credit check—your credit score is never pulled
- ✓Flat 15% APR for every buyer—no rate haggling
- ✓10% down minimum (15% recommended for the lowest monthly)
- ✓Terms from 12 to 48 months—pick what fits your budget
- ✓Pre-approval delivered within 24 business hours
- ✓No prepayment penalty—pay it off early any time
Call +1 (336) 477-4024 or email Order@cheapcarsconnect.com.
In-house financing application
No credit check · 10% down minimum · 24-hour pre-approval
Truth-in-Lending example · subject to credit approval
Representative financing example
Example: a vehicle priced at $6,500 with a $650 down payment (10%) financed over 36 months at a flat 15.00% APR:
- Amount financed
- $5,850
- Monthly payment
- $203
- Total of payments
- $7,301
- Total cost (incl. down)
- $7,951
APR shown is 15.00% fixed for the life of the loan. All offers are subject to approval based on verified income and the minimum 10% down payment. Cheap Cars Connect USA is the lender of record on every in-house financing agreement; no third-party banks or credit unions are involved. Pre-approval is not a commitment to lend; the offer is finalized at vehicle selection and document signing. Loan terms 12, 18, 24, 36, and 48 months are available; the monthly payment varies by term length. No prepayment penalty.
Financing FAQ
In-house financing—common questions
Do you check my credit score?
+No. Because we run every loan in-house, we never pull your credit report. No soft pull, no hard pull, no impact to your score. Approval is based on verifiable income and the 10% down payment.What's the minimum down payment?
+10% of the vehicle's purchase price. For example, a $6,500 car requires $650 down. We recommend 15% if you want the lowest monthly payment—that's about a 5% reduction in your monthly across most term lengths.How long does pre-approval take?
+Within 24 business hours of submitting your application. The decision is delivered by email to the address on your application. If you submit on a weekend or holiday, the clock starts on the next business day.What's the interest rate?
+A flat 15% APR for every approved buyer. There are no credit-tier rate adjustments because we don't check credit. Everyone pays the same rate—no haggling, no surprises at signing.What loan terms are available?
+12, 18, 24, 36, or 48 months. Pick what fits your monthly budget. Shorter terms cost more per month but less in total interest; longer terms are the reverse. There's no prepayment penalty, so you can pay it off early any time.Can I apply with bad credit, no credit, or a previous bankruptcy?
+Yes. We do not look at credit history, FICO scores, prior bankruptcies, charge-offs, or collections. The application uses income and down payment as the only approval signals.Do I need a co-signer?
+No co-signer is required. Single applicants are approved on their own income and down payment.Is there a prepayment penalty?
+No. You can pay off the loan early, in part or in full, at any time. There are no fees for early payoff.What documents do I need at signing?
+A valid government-issued photo ID, proof of income (recent pay stub, bank statement, or self-employment ledger), proof of insurance for the vehicle, and your down payment in certified funds (cashier's check or wire transfer).What happens if my application is denied?
+Denials are rare since we don't check credit. The most common reason is unverifiable income. If your application is declined, a specialist will reach out to explain what additional documentation could change the outcome.