Our financing sources

CarMax has our own financing source and has selected third-party financial institutions that rank among the world's largest and most respected.

CarMax Auto Finance:

CarMax Auto Finance is part of CarMax and committed solely to the purpose of assisting our customers with their purchases. We provide a wide array of options designed specifically to help you meet your needs. At CarMax Auto Finance, we:

  • Provide fast, on-line financing with competitive terms
  • Have helped more than one million CarMax customers
  • Have a portfolio of over $9 billion

We also have relationships with a number of third-party financing institutions to provide a broad range of auto financing options for a wide variety of different customers. Each is an industry leader in car financing, and provides financing offers tailored specifically to our customers. And because your information is often submitted to multiple financing sources, you could receive several financing options to choose from—and you choose the one that fits you best.

Our partner financing sources include:


American Credit Acceptance (ACA) offers a variety of financing options tailored to CarMax and its customers’ needs. With the goal of making each purchase easy, ACA provides fast, affordable financing.

ACA has earned a reputation for best-in-class customer service by helping thousands of customers since 1991.


As a Fortune 500 company, Ally Financial acts as one of the largest automotive and banking institutions. Ally Auto has been ranked #1 overall in U.S. consumer auto financing and is a recipient of the Auto Finance Excellence Award by Auto Finance News.

Capital One Auto Finance:

Capital One Auto Finance is part of Capital One, a diversified bank offering a broad range of financial products and services. Capital One has over $150 billion in managed assets nationwide. Capital One:

  • Is one of America's leading full spectrum auto finance sources
  • Offers competitive, no-hassle financing to a wide range of consumers


As a specialty auto finance company, Exeter Finance Corp. prides itself on building personal relationships and providing the highest level of customer service by focusing on customers’ individual needs.

Founded in 2006 in Irving, Texas, Exeter is a recipient of the Auto Finance Excellence Award by Auto Finance News.

Santander Auto Finance:

Santander Auto Finance is the U.S. auto finance division of Banco Santander, which operates in over 40 countries with more than 69 million customers and $1.3 trillion in managed assets. Santander Auto Finance:

  • Provides an extensive array of auto finance solutions, focused primarily on customers with past credit concerns
  • Is built on the strength of a global partner, but offers the flexibility and customization necessary to service customers with specific needs

Wells Fargo Dealer Services:

Wells Fargo Dealer Services is a division of Wells Fargo Bank, N.A. the nation's fourth largest financial institution. Wells Fargo Dealer Services is one of the largest auto finance companies in the U.S. Wells Fargo:

  • Is the No. 1 provider of used auto financing in the nation
  • Offers a broad credit spectrum
  • Offers a wide selection of servicing and payment options


Westlake has helped auto finance customers since 1988 in all 50 states. Their goal is to provide financing to a broad spectrum of customers across a wide variety of credit profiles.

Westlake’s auto portfolio includes over 250,000 customers and approximately $2 Billion in assets.

CarMax Auto Finance Exeter Finance Corp Ally Auto Finance Santander Auto Finance ACA Wells Fargo Westlake Financial Services Capital One

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CarMax Associate and Customers

If approved, we’ll offer you affordable financing options with no hidden fees or costs.

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