Competitive Rates
Access exclusive rates from our network of prime lenders. Special financing available for qualified buyers.
- Rates as low as 3.9% APR
- Terms up to 84 months
- No prepayment penalties
- Flexible payment options
Special Programs
Tailored financing for exotic and collector vehicles, including seasonal payment plans and balloon options.
- Exotic vehicle specialists
- Collector car financing
- Seasonal payment plans
- Balloon payment options
Quick Approval
Streamlined application process with instant decisions. No impact to your credit score for pre-qualification.
- 60-second pre-approval
- Soft credit check only
- Same-day funding
- Digital document signing
60s
Typical Approval Time
1
Apply Online
Complete our simple online application in minutes — no obligation, no credit impact
2
Get Approved
Receive multiple offers from our lending partners and choose the best option
3
Select Your Vehicle
Choose from our curated collection or let us source your dream car
4
Drive Away
Sign documents digitally and take delivery at our showroom or your doorstep
Traditional Financing
Fixed monthly payments with terms from 24-84 months. Ideal for primary vehicles.
Most Popular
Seasonal Payment Plan
Flexible payments that align with your income schedule — perfect for seasonal collectors.
Flexible
Balloon Financing
Lower monthly payments with a final balloon payment. Ideal for investment vehicles.
Investment
Trade-In Assistance
Apply your trade-in value toward down payment or to reduce monthly payments.
Save More
Lease Buyout
Financing options for purchasing your leased vehicle at the end of term.
Lease End
Exotic & Collector
Specialized financing for high-value vehicles with flexible underwriting.
Specialized
What credit score do I need?
We work with clients across all credit profiles. While excellent credit (720+) qualifies for our best rates, we have programs for first-time buyers, recent immigrants, and those rebuilding credit.
Can I finance an exotic car?
Absolutely. We specialize in financing exotic and collector vehicles, including Ferrari, Lamborghini, Porsche, and more. Terms are tailored to each vehicle's value and usage.
What documents do I need?
Typically: driver's license, proof of income (pay stubs or tax returns), and proof of residence. For exotic vehicles, additional documentation may be requested.
Do you offer gap insurance?
Yes, GAP coverage is available and recommended for financed vehicles. We also offer extended warranty options for peace of mind.
Can I pay off early?
Yes, there are no prepayment penalties on any of our financing programs. You can pay off your loan at any time without additional fees.
What about trade-ins?
We accept trade-ins and can apply the value toward your down payment. Get an instant online appraisal or bring your vehicle to our showroom.
Ready to get behind the wheel?
Our finance specialists are standing by to help you find the perfect payment plan.
*All financing subject to credit approval. Rates from 3.9% APR for well-qualified buyers. Terms up to 84 months available. See dealer for complete details. C & D Auto Sales is a licensed broker in the state of Illinois.
