Bank & Credit Union Financing

Prefer to use your own bank or credit union? No problem. Customers arrange outside financing directly with their chosen lender, and we can provide the vehicle paperwork your lender needs to review and fund your loan.

Why Use Your Own Lender?

  • ✔ You may already have a relationship or pre-approval with your bank or credit union.
  • ✔ Interest rates and terms can be very competitive, especially with strong credit.
  • ✔ You can often handle most of the paperwork online with your lender.

We’ll provide the purchase order, buyer’s order, and vehicle details your lender needs so they can finalize your loan and send funds directly to us.

How the Process Typically Works

  1. Choose a vehicle from our inventory.
  2. Apply with your bank or credit union (online, by phone, or in person).
  3. Provide them with the vehicle details and purchase price.
  4. Your lender sends us an approval and funding instructions.
  5. We schedule a time for you to sign final paperwork and pick up your vehicle.

Every lender is a little different, but the basic steps are the same. If you have questions, just call and we’ll walk you through it.

What You’ll Usually Need

For Your Lender

  • ✔ Completed loan application (with your bank or credit union)
  • ✔ Recent pay stubs or proof of income
  • ✔ Proof of residence (utility bill, lease, etc.)
  • ✔ Possibly bank statements or additional verifications

For the Dealership

  • ✔ Valid driver’s license
  • ✔ Insurance information
  • ✔ Any down payment required by your lender
  • ✔ Trade-in title or payoff information (if applicable)

Start Your Bank / Credit Union Application

Many lenders let you start or complete your auto loan application online. If you already know which bank or credit union you want to use, you can visit their website and look for an “Auto Loan Application” or “Vehicle Loan” section.

In the near future, we plan to add a direct resource here with guidance for customers who want to apply directly with their own bank or credit union.

Outside Lender Resource Coming Soon

Until then, you can get started by contacting your bank or credit union directly. If you still want help with vehicle details for your lender, use our Contact page and mention you plan to use your own bank or credit union.

Need Help Choosing a Lender?

If you’re not sure where to start, we can talk through what documents your lender may request and explain the difference between using your own bank or credit union and our in-house / Buy Here Pay Here program.

Call us at (682) 247-4989 or use our Contact page and mention you have questions about bank or credit union financing.