---
title: Auto Financing Options | Honest Car Guy
description: Understand your auto financing options with Honest Car Guy. Get clear rates, terms, and costs so you can make an informed choice.
---
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- [Financing](https://honestcarguy.com/financing)
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Financing
# Financing That Puts You First
Complete the application to get started and we help walk you through all of your financing options using reputable lenders, including national banks, regional banks, and credit unions, that offer the same great rates you’ll find at major financial institutions.
Our experienced finance team works with you to structure down payment and loan terms in a way that helps get your monthly payment right for your budget. We never add dealer markups to lender rates—instead, we show you the exact rate the lender gives us and pass it directly on to you. The price for your car will not change whether you pay cash or finance with us.
[Apply For Financing](https://honestcarguy.com/credit-application)
WHAT HAPPENS NEXT
1. 01
**Reach out:** budget, needs, and honest advice
2. 02
**Free consultation:** dealer networks and auctions
3. 03
**We search nationwide:** dealer networks and auctions
4. 04
**Independent vetting:** inspection before we talk price
Call/Text Our Team
[404-500-0195](tel:4045000195)
WHAT HAPPENS NEXT
1. 01
**Reach out:** budget, needs, and honest advice
2. 02
**Free consultation:** dealer networks and auctions
3. 03
**We search nationwide:** dealer networks and auctions
4. 04
**Independent vetting:** inspection before we talk price
Call/Text Our Team
[404-500-0195](tel:4045000195)
faqs
### Questions About Applying?
Get clear answers about credit, rates, and financing so you know exactly what to expect before you apply.
[404-500-0195](tel:+14045000195)
###### Does applying for financing affect my credit?
Submitting a [credit application](https://honestcarguy.com/credit-application) may require a credit check. We’ll explain what to expect before moving forward so there are no surprises.
###### What happens after I submit my credit application?
Our finance team will review your application and explore options from trusted banks and credit unions. We’ll walk you through the rates, terms, down payment, and monthly payment options available to you.
###### Does Honest Car Guy mark up my interest rate?
No. We never mark up the rate offered by the lender. You’ll see the rate we receive, so you know exactly what you’re paying and why.
###### Will financing change the price of my car?
No. Your vehicle price stays the same whether you pay cash or finance with us. How you choose to pay won’t change the price of the car.
###### Can I use my own bank or credit union?
Yes. You’re always welcome to use your own financing. We can also show you options from our trusted lenders so you can compare and choose what works best for you.
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Buying a car shouldn’t leave you wondering if you got a fair deal. We’re your personal car-buying advocate, searching nationwide to find the right vehicle with honest guidance and transparent pricing every step of the way.
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