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Financing should be stress-free.

Get Pre-Qualified

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
Contact Us About Financing

We put trust at the core of every deal.

Hassle-Free
Easy & Quick
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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

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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?
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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 Calculator

Q&A

Q: Does CarMax offer financing?

A:

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.


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

A:

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


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

A:

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


Q: Can I use a co-buyer?

A:

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


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

A:

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.


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

A:

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


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