Family owned since 2001 · Grand Junction, CO Mon-Fri 8:30-6:30 · Sat 9-6 · Directions
Get Trade Value Text Us 970-609-9692

Finance Center

Auto Financing in Grand Junction, Made Simple

Great credit, first-time buyer or rebuilding, our business managers work with banks and credit unions to find a payment that fits your budget. Start with a soft-pull pre-qualification or go straight to a full application.

No credit impact

Pre-Qualify

See your real rate and buying power in about 60 seconds. It's a soft credit check, so your score isn't affected.

Pre-Qualify Now
Ready to buy

Credit Application

Found the one? Apply once and our business managers will shop your application to our lenders for the best terms they can get.

Start Your Application

How Financing Works

Most customers finish the paperwork-heavy steps online before they ever visit.

  1. Pre-QualifyCheck your rate with a soft pull. No impact to your credit score.
  2. Pick Your VehicleEvery vehicle online shows an estimated payment, so you can shop by budget.
  3. Finalize With UsOur business managers compare lender offers and walk you through your options.

Banks and Credit Unions We Work With

We work with national lenders and local Colorado credit unions, so we can find options for a wide range of credit situations, including first-time buyers and credit rebuilders.

Banks & Finance Companies

  • Ally Bank
  • Capital One
  • Westlake Financial
  • Credit Acceptance
  • Automotive Credit Corporation
  • Lobel Financial
  • Axos Bank

Credit Unions

  • Mountain America Credit Union
  • Canvas Credit Union
  • Bellco Credit Union
  • Climb Credit Union
  • Delta County Federal Credit Union
  • Grand Junction Federal Credit Union
  • Rio Grande Federal Credit Union
  • Meritrust Credit Union
  • NuVista Credit Union
  • San Juan Mountains Credit Union
  • Colorado Credit Union
  • Aventa Credit Union
  • Credit Union of Denver
  • Desert Rivers Credit Union

A partial list. Approval, rates and terms depend on your credit, the vehicle and each lender's programs.

Vehicle Protection Products

Optional coverage you can add to your purchase. Protection products are never required to get financing.

  • Vehicle Service ContractsHelp cover the cost of covered mechanical repairs. Plans and terms vary by vehicle and mileage.
  • GAP CoverageIf your vehicle is totaled or stolen, GAP can cover the difference between your insurance payout and what you still owe.
  • Tire & Wheel ProtectionCovers repair or replacement of tires and wheels damaged by road hazards like potholes and debris.
  • Key ReplacementHelps cover the cost of replacing lost or stolen keys and remotes, which can be expensive on newer vehicles.

Have a Trade-In?

Your trade value can go toward your down payment, and in Colorado it can lower the sales tax on your next vehicle.

Get Your Trade Value

Financing Questions

Will pre-qualifying hurt my credit?

No. Pre-qualification uses a soft credit check, which does not affect your credit score.

Can I get financed with bad credit or no credit?

We work with lenders that serve a wide range of credit situations, including first-time buyers and credit rebuilders. Pre-qualify to see your options, or call or text 970-609-9692 to talk with our business managers.

How much do I need for a down payment?

It depends on your credit, the vehicle and the lender. Pre-qualifying shows your options before you commit, and a trade-in can count toward your down payment.

Is there a dealer handling fee?

Yes. Our dealer handling fee is $499, and it is already included in every advertised price. Tax, title and registration are extra.

All financing is subject to credit approval. Advertised prices include a $499 dealer handling fee; tax, title and registration are extra. Payment estimates are for illustration only and are not an offer of credit.