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Credit Center: Connect

Use the Car Credit Wizard to find the dealers that are best suited to assist you with financing.

Connect

Connect

Estimate your credit
level and get connected
to dealers who can help.

Learn

Learn

Make smart decisions with articles on leasing, purchasing and credit.

Calculate

Calculate

Figure out your best
option with our easy-
to-use financial tools.

Car Credit Wizard

Follow the three easy steps below to estimate your credit level and get a list of dealers who are equipped to help you.

The information you type into this research tool, and the results it generates, will remain anonymous. We will not store or save your answers in any way. This is not an
application for credit and is not shared with any lender. The results do not guarantee that you will later qualify for a loan. This is just a general research tool for you.†

* = Required

Know your credit level?

Or, have you already used the Car Credit Wizard?

Go directly to a list of dealers who can help you with financing.

Take the Quick Path

Location

Please fill in a ZIP code so that we can find dealers near you. For more precise results, fill in the
optional street address.

* ZIP
* Your Address We will not store this information.
(Example: 123 N. Elm St.)

Background

Please select an answer for every question to get your estimated credit level and list of dealers.

“Established credit” means that you’ve used credit cards or financing options, such as having an auto loan or mortgage in your name, in the past.

* How long have you had established credit? I don't have credit yet.

Don’t worry if you’ve just started a new job, are self-employed or work in an industry geared toward changing positions frequently. Lenders simply want to see that your employment history reflects a steady income.

* How long have you been consistently employed?

Moving is a part of life, especially for situations such as being in the military. Lenders will look at a number of factors to establish if you are capable of maintaining a stable address.

* How long have you lived at your current address?

 

Credit Experience

These questions represent financial challenges millions of people experience every year. For many, these issues are not the end of using credit, but rather the beginning of making healthy financial decisions. Answering the following questions will allow us to match you to the dealers that are best suited to help you.

* Have you had an auto loan payment more than 30 days late in the last 2 years?

* Have you had a mortgage, rental, credit card or other payment more than 30 days late in the last 2 years?

Lenders want to see if you can handle additional credit or have already reached your limits with other obligations. To find your answer, add up all of your outstanding credit debt on all your accounts. Compare that amount to the amount of credit available to you.

* How close are your credit account balances to your credit limits?

* Have you experienced any of the following: bankruptcy, foreclosure, lien, wage garnishment, default on a credit card, collection or repossession?

†This tool is an anonymous educational resource to help you locate dealers that have expressed an interest in financing purchases for consumers with some of your general financial characteristics. We respect your privacy and do not capture, store, or share the information you use in this research in any way. The results do not predict the actual information contained in your credit report or the type of credit you will qualify for from any lender. Credit is a very personal issue based on a variety of unique factors that differ from lender to lender and consumer to consumer. We recommend you work with dealership representatives and members of the financial institutions you trust to help determine your exact credit situation.