Financing at CarMax

Couple taking a selfie in front of a used car

Millions of car buyers have secured financing at CarMax

Get pre-qualified

One stop, multiple financing sources

Our finance sources accommodate a wide range of customers, including first-time buyers.

Financing as simple as our car prices

It’s no pressure, hassle-free, and your financing choice never alters the price of your car.

No surprises, no regrets

Pre-qualify to get an idea of what you can spend on a used car. If you find other financing after you buy, use our 3-day payoff program.

Get results that work for you

Calculate my budget

More car-buying tips & tools

Other ways to pay

Bring your own financing

Your preferred lender is welcome here. You’ll need a voucher, check, or proof of financing. We’ll help you with this process.

Buy it on the spot

If you aren’t financing, we accept cash, personal check, cashier’s check, or debit card.

Your most asked questions, answered

Does CarMax offer financing?

Yes. We offer financing through several finance sources, including CarMax Auto Finance, a division of CarMax. Most of our customers’ financing decisions are available in 20 minutes or less.


This is my first car purchase. Can I finance with CarMax?

Our finance sources accommodate most credit profiles, and every CarMax customer can expect the same no-haggle pricing and exceptional customer service.


I don't have the best credit rating. Can I finance with CarMax?

Our finance sources accommodate most credit profiles, and every CarMax customer can expect the same no-haggle pricing and exceptional customer service.


Can I use a co-buyer?

Yes. You can add a co-buyer to your pre-qualification application or finance application.


I am financing somewhere other than CarMax. What do I need to provide CarMax?

If you already have financing through your bank or an outside lender, you will need to provide a voucher, check or other proof of financing. We’ll help you with that process.


If I find better financing after I buy the car, can I replace my financing with another provider?

Absolutely. We offer a Three-Day Payoff Program that lets you replace your financing with another provider at no cost.


Still have questions? We're here to help.