When is the best time to apply for an auto loan?

We recommend applying as soon as you begin shopping for a vehicle.

Applying early helps you understand what you can afford before you visit the dealership. Once you submit the required documentation for final approval, we will issue a signed Letter of Guaranteed Financing for you to bring with you.

This letter:

• Shows the dealer that your financing is approved
• Outlines the vehicle requirements
• Helps speed up the process once you have chosen your vehicle