Bankruptcy, repossession, first-time buyer, or no credit at all — we work with every situation. Get pre-approved in under 60 seconds with a soft credit pull that won't hurt your score.
Fill out our 60-second form. Soft pull only — your credit score is never touched.
We shop your application across our network of trusted local lenders to find your best rate.
Pick from our hand-curated inventory and drive away the same day. We handle the paperwork.
Every situation deserves a fair look. If any of these sound familiar, you're a strong candidate for our credit program.
"After my divorce my credit was a mess. Kirk and his team got me into a reliable car the same afternoon — no judgment, no pressure. They treated me like family."
No. Our pre-approval uses a soft credit pull, which has zero impact on your score. A hard inquiry only happens if you choose to move forward with financing.
There isn't one. We work with customers across the entire credit spectrum, including first-time buyers with no credit history and customers rebuilding after bankruptcy.
$0-down programs are available with approved credit. Putting something down typically lowers your monthly payment and improves approval terms — but it isn't required.
Most approvals need: a valid driver's license, proof of income (recent pay stub or bank statement), proof of residence (utility bill), and references. We'll guide you through it.
Yes. Our lender partners report on-time payments to the major bureaus, so paying on time helps you rebuild your credit while you drive.
Pre-approval takes about 60 seconds. Most customers are driving home in their new car within the same day.
Get your free, no-obligation pre-approval in under a minute.
Start my pre-approvalImportant disclosures
Eppsway is a licensed motor vehicle dealer, not a lender. We do not originate, underwrite, fund, or service loans. All financing is offered through independent third-party lenders and credit unions, and all credit decisions, interest rates, terms, and approvals are made solely by those lenders in their discretion. Submitting a pre-approval request does not guarantee financing, vehicle delivery, or any specific rate, term, or down-payment amount.
"Soft pull" pre-qualification does not affect your credit score; a hard inquiry may occur only if you proceed with a full credit application through a lender. $0-down, "approved in 60 seconds," and similar statements describe programs that may be available with approved credit (W.A.C.) and are subject to lender requirements, verification of income, residence, and references. Not all applicants will qualify. Credit-bureau reporting is performed by the lender, not by Eppsway.
Vehicle availability, pricing, photos, mileage, equipment, and specifications are believed accurate but are not guaranteed and are subject to change, prior sale, and verification. Eppsway is not responsible for typographical, pricing, data-entry, or photographic errors on this site. Tax, title, tag, registration, documentary, and dealer fees are additional. Customer testimonials reflect individual experiences and are not a guarantee of results. By submitting the form you consent to be contacted by Eppsway and its lender partners by phone, SMS, or email at the number and address provided, including via auto-dialed or prerecorded messages; consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out of text messages.
© 2026 Eppsway Motors. Equal Credit Opportunity Act compliant. We do business in accordance with federal and state fair-lending and consumer-protection laws.