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On average, auto finance companies are able to process car loan applications instantly, or in less than 24 hours. During this time, be prepared to provide additional documentation such as car insurance, proof of income, proof of residence, and any other provisions required by the lender. Generally, our customers are able to purchase a vehicle within 24 – 48 hours from the completion of the application process with their lender.

With Lot2You, you are in control of your shopping experience, so you may complete your credit application at any time during the process. The benefit to completing it in the beginning is so you can see accurate monthly lease or finance payments. Regardless of when you do the credit application, here are the basics behind it the financing process.

To complete the financing process you will need to complete a credit application and an identity verification process using Precise ID technology. Once these are completed, you will receive an immediate credit decision provided by up to three leading credit bureaus, including Experian. While most customers will receive instant gratification, depending on your FICO score you may be asked to provide additional information to confirm your ID or approve you to complete the purchase process.

Once you have received your credit decision, a Lot2You agent will contact you and go over the terms offered to you based on your FICO score and the credit terms available at that time. This is part of our promise to show you real numbers with as much transparency as possible.

If you have any questions, feel free to contact us.

Anyone who is 18 years or older can purchase a vehicle on Lot2You.com

Lot2You is not a membership-based organization. It is a free service to everyone!

Lot2You is selling new and used vehicles across the continental United States.

Our hours are subject to change. Currently, we operate:

Sales/Support Hotline: Monday-Friday 8:00AM – 5:00PM CST

Absolutely! A Lot2You Associate is always available to help through our Chat feature. Or, if you prefer to talk to someone on the phone, give us a call. We are here to help! (214) 790-0866. We want to be sure you are never stuck, waiting to get to the next step of buying the vehicle of your dreams.

No. We offer a free, no obligation auto loan request process. There is no fee for using our service.

Depending on your credit status, you may or may not be able to get financed with little or no money down, although if you have some credit discrepancies, a 10% – 20% down payment is usually suggested.

On average, auto finance companies are able to process car loan applications instantly, or in less than 24 hours. During this time, be prepared to provide additional documentation such as car insurance, proof of income, proof of residence, and any other provisions required by the lender. Generally, our customers are able to purchase a vehicle within 24 – 48 hours from the completion of the application process with their lender.

With Lot2You, you are in control of your shopping experience, so you may complete your credit application at any time during the process. The benefit to completing it in the beginning is so you can see accurate monthly lease or finance payments. Regardless of when you do the credit application, here are the basics behind it the financing process.

To complete the financing process you will need to complete a credit application and an identity verification process using Precise ID technology. Once these are completed, you will receive an immediate credit decision provided by up to three leading credit bureaus, including Experian. While most customers will receive instant gratification, depending on your FICO score you may be asked to provide additional information to confirm your ID or approve you to complete the purchase process.

Once you have received your credit decision, a Lot2You agent will contact you and go over the terms offered to you based on your FICO score and the credit terms available at that time. This is part of our promise to show you real numbers with as much transparency as possible.

If you have any questions, feel free to contact us.

Anyone who is 18 years or older can purchase a vehicle on Lot2You.com

Lot2You is not a membership-based organization. It is a free service to everyone!

Lot2You is selling new and used vehicles across the continental United States.

Our hours are subject to change. Currently, we operate:

Sales/Support Hotline: Monday-Friday 8:00AM – 5:00PM CST

Absolutely! A Lot2You Associate is always available to help through our Chat feature. Or, if you prefer to talk to someone on the phone, give us a call. We are here to help! (214) 790-0866. We want to be sure you are never stuck, waiting to get to the next step of buying the vehicle of your dreams.

No. We offer a free, no obligation auto loan request process. There is no fee for using our service.

Depending on your credit status, you may or may not be able to get financed with little or no money down, although if you have some credit discrepancies, a 10% – 20% down payment is usually suggested.