![]() Plus, if the dealer offers alternate financing options, you'll have something to compare them to and leverage for negotiation. Bringing your offer and knowing your terms in advance will help you make a more informed financing decision. What should I expect at the dealer? Contact the dealer in advance to make sure the vehicle you selected is still available. Terms are not final until your financing is completed at a participating dealer. Take your pre-qualification offer with you when you visit the dealer. Make sure to print or reference your pre-qualification certificate on your phone or device. Using pre-qualification offers What do I do with my pre-qualification offer? Use your offer to view rates for cars eligible for financing on CarGurus. They can vary based on credit and vehicle criteria. others? Different lenders have different credit and lending policies. Why are rates and loan terms different for some lenders vs. Depending on the dealer, the vehicle, and the status of your pre-qualification, the lender(s) who provide offer(s) may vary. Why don’t I see rates from each of my pre-qualified participating lenders? Our lenders each work with different dealers. How is my monthly payment for my offer calculated? Your monthly payment is calculated based off the amount you wish to finance, your Annual Percentage Rate, and the term of your loan. Which lender is my offer rate from? You’ll see the name of the lender next to each rate with your offer. If you don’t see any active offers, you can see if you pre-qualify here. Which lenders am I pre-qualified with? Click here to view your financing dashboard to check your current offers. Have questions about lender restrictions or your specific offer? Reach out directly to lenders for help. Our participating lenders & rates Which lenders do you work with? Capital One Auto Finance, Westlake Financial and Global Lending Services (GLS) are our participating lenders. Reach out directly to participating lenders for help. I need to revise the information I’ve already submitted. You can also view and open pre-qualification offers here. Make sure to check your inbox and spam folder. I never received notification of my pre-qualification approval. In these cases, you’ll be prompted to include a down payment when it is necessary to purchase the vehicle. Can I get pre-qualified with poor credit? Everyone is welcome to see if they pre-qualify with our participating lenders! Do I need to include a down payment? A down payment may be required in certain circumstances. Reach out directly to participating lenders with any additional questions. How much am I pre-qualified for? The total amount you may finance for a given vehicle can vary based on the lender. ![]() Your offer can be used to purchase vehicles sold by dealers who work with the participating lender(s) you’re pre-qualified with. What am I pre-qualified for? You’re pre-qualified for auto financing from one of our participating lenders. Note: the offer may be different upon resubmission. If your offer has expired, you can always re-submit your information to check your eligibility for a new offer. When does my pre-qualification expire? Your offer is valid for 30 days after your pre-qualification request is received. You can also reach out directly to the participating lender. ![]() Don't have a CarGurus account? Enter the email you used when applying and we’ll email instructions on how to set one up. Where can I check my pre-qualification status? Click here to see your pre-qualification offers. Getting pre-qualified How do I get pre-qualified? Click here to submit your information to check your eligibility for any pre-qualification offers.
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