Welcome back to our blog! If you are in the market for a reliable pre-owned vehicle, you might be wondering how the paperwork and payment process works—especially when you are bringing your own financing.

To keep things completely transparent and straightforward, we do not offer in-house or dealership financing. Instead, we love working directly with your preferred lenders! Whether you are financing through your local credit union, a national bank, or personal funds, we make the delivery process seamless.

Here is a quick step-by-step guide on how to buy your next vehicle from us using outside financing:

1. Get Pre-Approved First Before you shop, visit your local bank or credit union to secure a pre-approval loan amount. Knowing your exact budget ahead of time makes car shopping stress-free and gives you complete control over your loan terms.

2. Pick Your Vehicle & Request a Bill of Sale Once you find the perfect vehicle on our lot, we will draft an official Bill of Sale for you. This document details the exact total price of the vehicle, including any applicable taxes and registration fees.

3. Take the Paperwork to Your Lender You will hand our Bill of Sale directly to your bank or credit union loan officer. They will use this information to finalize your auto loan and issue a funding check or official draft made out to our dealership.

4. What to Bring on Delivery Day When you come back to pick up your keys and drive home, just make sure to bring the following with you:

  • The official pre-approval/funding check from your lender.

  • A valid Driver’s License.

  • Current Auto Insurance information.

  • The exact legal name and lienholder address of your bank (so we can process your title and registration paperwork perfectly).

By handling your financing directly with your chosen bank, you get complete transparency with no dealership markups on your interest rate.

Have questions about a specific vehicle in our inventory or need a Bill of Sale for your credit union? Give us a call or stop by today—we are here to help make your next purchase incredibly easy!