Flexible Car Financing Through Your Dealer
DriveSmart Auto Navigator 2025
Apply Online or In Branch Get competitive rates without surprise charges.Looking to finance your next car without juggling multiple appointments or long waits? DriveSmart Auto Navigator helps you secure indirect financing right at participating dealerships. Shop, apply, and get approved in one seamless visit—then drive home the same day. With a broad dealer network and options for a range of credit profiles, it’s financing made simple.
Key Benefits
- No separate bank trip: Apply and finalize your loan at the dealership
- Options for a wide range of credit histories
- Typical terms from 36 to 84 months
- Finance new or used vehicles available through partner dealers
- Online account access for payments and tracking
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Who It’s Best For
Consider this program if you:
- Prefer completing financing at the dealership
- Have a credit score around 630+ (lower scores may still be considered)
- Are buying through a participating partner dealer
- Want flexible terms and competitive, dealer-driven rates
How It Works
- Visit a participating dealership
- Choose your car and start the application on-site
- Dealer submits your info for credit review
- If approved, review and sign your loan documents
- Drive off with your new (or new-to-you) vehicle
Summary Table: Auto Loan Basics
| Feature | Details |
| APR Range | Dealer-determined (commonly starting near 6%+) |
| Loan Terms | 36–84 months |
| Minimum Credit Score | None published (630+ recommended) |
| Vehicles Covered | New and used via participating dealers |
| Application Method | At dealership |
Pros and Cons
- Pros
- One-stop car buying and financing at the dealership
- Consideration for a variety of credit profiles
- Works for both new and used cars
- Convenient online account management
- Cons
- No direct, standalone online application
- Dealer may influence APR
- Available only through participating dealerships
Final Thoughts
If convenience is your priority, in-dealership financing streamlines the process from selection to signing. You’ll get flexibility on terms and a smooth experience. Be sure to ask your dealer for a clear breakdown of the APR and any fees, as these can vary by location and vehicle.
Ready to explore your options? Speak with a participating dealer to check your eligibility—there’s no impact on your credit score until you apply.
You will stay on our website.
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