Used car financing made simple

Get personalized terms in 2 minutes without impacting your credit

Get pre-qualified

How it works

Step 1

Get pre-qualified without penalty

Check what you can afford without impacting your credit score.
Get pre-qualified

Step 2

Discover cars in your budget

See what your monthly payment and terms would be for each car.

Step 3

Finance your favorite one

Apply for financing online to get an official loan from our network of trusted lenders.

Step 1

Get pre-qualified without penalty

Check what you can afford without impacting your credit score.
Get pre-qualified

Step 2

Discover cars in your budget

See what your monthly payment and terms would be for each car.

Step 3

Finance your favorite one

Apply for financing online to get an official loan from our network of trusted lenders.

Us BankCapital OneAllyTD BankSantanderBank of AmericaWestlake Financial

Our partners

Us Bank
Capital One
Ally
TD Bank
Santander
Bank of America
Westlake Financial

protect your purchase

Safeguard yourself from the unexpected costs of car ownership with a vehicle protection plan and gap coverage.

Vehicle Protection Plan
Gap Coverage
Learn more

Start shopping with personalized terms

Get pre-qualified

Frequently Asked Financing Questions

How is my interest rate determined?

Your interest rate is based on a number of factors including your credit score, monthly income, loan amount, and down payment amount.

What credit score do I need to get financing?

Shift serves customers of all credit profiles, including customers with minimal or poor credit histories. Because our lenders take many factors beyond credit score into account, the only way to know your eligibility is to find a vehicle you like and apply for financing.

How is my monthly payment determined?

Your monthly payments are determined by your loan amount, the term (length) of loan, and the interest rate. To find cars that fit your monthly budget, try our car loan calculator.

When is my first payment due?

Your first loan payment is typically due one month from the day you purchase your Shift car. Your lender will contact you prior to the first payment due date with information about account set up, payment options, and more.

Can I pay my loan off early?

Yes, you can make loan payments (of any amount) prior to your regularly scheduled payment due dates. There is no pre-payment penalty for paying off your loan ahead of schedule.

Will you accept financing from my bank or credit union?

We can work with outside lenders, but it requires you to coordinate with your bank or credit union. To begin the process to work with an outside lender, you must request a purchase order from Shift. Be sure to let Shift know if you are interested in one of our vehicle protection plans that will further insure your vehicle. Once you’ve provided your outside lender with the purchase order, your outside lender will be able to process your request and set up payment, or let you know if there is any additional documentation needed.

Please keep in mind that the process to work with an outside lender may take a few business days, or in certain cases, may not be applicable. Plan ahead to secure payment, or consider using Shift’s financing options to ensure you don’t miss out on the car you are hoping to purchase!

Can I roll the debt from my current car into my new car?

Yes, this is possible. To start, please give us some information about your trade-in by filling out this form.