Get multiple competitive loan offers on the car you want, all in one easy go. Start by getting pre-qualified to see accurate monthly payment estimates while you shop.
On average, our customers get their vehicles 2 to 3 days faster when financing through Shift.
The lenders we partner with are specialized to meet your expectations for buying a car.
Our nationally recognized lenders compete with each other and the greater market to get you the best offers.
Your interest is based on the principal you borrow, so you can owe less by paying off your loan early.
Once you’ve applied, qualified, and signed, we then consolidate multiple credit inquiries into one.
If you need some help, advice or clarification, we’re here to help you every step of the way.
No application fee, no origination fee, and no other bogus fees. Apply with confidence.
Want to pay off your loan early? No problem, and no penalties.
Lock in a fair, competitive APR and term length that builds right into your budget.
Pre-Qualification is a shopping tool that helps you get the most car for your buck. It lets you see your estimated payments, so you can find the perfect car for your budget. Best of all, it doesn’t touch your credit.Get Pre-Qualified
Input a few basic details about yourself and your budget to see more realistic monthly payments on every car as you shop.
Whether buying online or in-store at a Shift location, choose to finance the car you want and complete your application during checkout.
We’ll then curate the best offers from our network of trusted lenders. Take a beat to review and ask as many questions as you’d like. (We’re here to help!)
Choose the loan offer and monthly payment that’s right for you, lock it in with your Shift Advisor, and then finalize your purchase.
Enter a few details to shop for vehicles within your budget.
Keep your newly financed ride feeling like the day you brought it home with our comprehensive protection plans.Learn About Shift Ownership Protection
We require the following from you when you finance a car purchase with us:
Submitting a financing application initiates a 14–45 day "shopping period," during which all inquiries of the same type will be counted as one by the credit bureaus. That means if you're shopping around for rates, you won’t have to worry about multiple inquiries affecting your credit.
For most customers, the first credit inquiry will result in a temporary 5-point (or less) drop in their credit scores – a generally inconsequential number that typically goes away after 3-6 months.
Yes. We work with many outside lenders, but know that this process will add up to 7 additional days to your purchase, and we won’t be able to extend the initial 1-hour reservation on the car until payment is received. While every lender is different, here’s what the typical process looks like, and why that can cause an extended delay in your purchase timeline:
This is just a snapshot. Lenders have different ways of handling auto loans, and some may require even more steps or paperwork.
That’s why 9 out 10 customers who finance use one of Shift’s lending partners. Our process lets you get your car as fast as possible, and our network of trusted lenders can offer rates that rival what you’d get on the open market – all in one easy application.
Shift serves customers of all credit profiles, including those with minimal or poor credit histories. Our lenders consider many factors beyond credit score when reviewing your application, so the best way to know you’re eligible is to find a vehicle you like and apply for financing.
We currently offer a variety of payment options, including (but not limited to):
Financing through your own bank: Depending on your bank, we can help facilitate the financing process. However, this option can delay your purchase by as many as 7 days, so we highly recommend financing through our own lending partners instead.
Didn’t find your answers? Try Shift Support or call us at 855-744-3873