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Financing should be stress-free.
Our mission has always been to make buying a used car easy, and we feel the same about financing. We'll do our best to make the process as easy and painless as possible.
Here's what makes financing with us different:
- IT'S QUICK - most decisions come back in minutes
- IT'S TRANSPARENT - if approved, choose the available offer that suits you best
- THERE ARE NO OBLIGATIONS - if you can find better financing elsewhere, you have three days to change it, penalty free
- WE'RE HERE FOR YOU - our friendly associates can help
We put trust at the core of every deal.
Hassle-Free
Easy & Quick
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There's a solution
There's a solution
for you
We work with leading financial institutions to give our customers competitive options.
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Helpful sales consultants are always on hand
Our sales consultants are ready to answer your questions and help you through the process.
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Honest, Straightforward Service
We're serious about helping you find the right solution.
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Choose the right car for you
This is kind of a big deal, as you'll probably own your car for at least a few years.
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Complete an application
Know your budget and down payment? Great. This should only take a few minutes.
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Select your offer
Finance with CarMax, if approved, or go with your own finance source. The choice is yours.
Our Financing Sources
In addition to CarMax Auto Finance, we have relationships with a number of leading third-party financing institutions.
These relationships make finding your best option easier than ever.
Ready To Get Started?
Schedule an appointment or contact your nearest store to get started.
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Get a head start with our payment calculator.
See possible options and know what to expect before your visit
Use our payment calculator to estimate possible monthly payments, see how different credit profiles could affect APRs, and use our sliders to try out different down payments and term lengths.
Try Our Car Payment CalculatorQ&A
Q: How do I find out more about financing?
A:
To begin the financing process online, first find the vehicle you are interested in purchasing. Then request financing information by clicking the link found on the vehicle's Car Page. Or you can get started by calling your nearest CarMax store.
Q: How can I find out more about my credit history?
A:
There are three major credit reporting agencies in the United States. Each one can provide you with a copy of your credit report, including your credit score. Learn more here.
Q: I have had past credit problems, what can CarMax do for me?
A:
Our finance sources can accommodate most credit profiles, and every CarMax customer will enjoy the same no-haggle pricing and exceptional customer service.
Q: Can I qualify for financing if this is my first vehicle purchase?
A:
Many customers qualify for financing without a prior vehicle purchase. The finance companies CarMax works with will consider your credit history and application information to make a credit decision.
Please contact a CarMax sales consultant for more information.
Q: How much should I budget for my car payment?
A:
Most financial institutions recommend that you spend no more than 15% of your gross monthly income on your car payment. If you make $2,000 a month you should spend no more than $300 on your car payment. Want to see what you can afford? Use our Payment Calculator to estimate.
Q: What factors impact monthly payment?
A:
The factors that impact monthly payments include the down payment, amount financed, term, and APR. Learn more here.
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