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Secure a loan instantly at competitive rates

How it works

Whether you’re applying before or after your test drive, it’s just three easy
steps to finance your Shift car.

Find a car and select loan terms

On the detail page of the vehicle you’re interested in, click “Apply for financing” and choose your loan terms. Even if you’re just shopping around for rates on similar cars, there’s no obligation to accept any offer.

Not sure of the right loan terms? Get started with our financing calculator.

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Submit your application

When you’re ready, you’ll be matched with the lender offering you the best rate. An instant decision means you can weigh your options sooner, without going to a dealership.

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Schedule a delivery or test drive

Once you’ve finalized your loan, just give us a convenient time to bring you the car. By applying for financing before your test drive, we can leave the car with you that day if you like it.

If you have questions about your offer, email us at Round Pullover Letter Printed Neck Graphic Sleeve Sweatshirt Long EqfqBPw.

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You can also get financing for vehicle protection plans and gap coverage to
safeguard yourself from the unexpected costs of car ownership.

Vehicle Protection Plan
Gap Coverage
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Short Collar Bow Tie Down Embellished Buttons Blouse Sleeve Lapel Finance the right car for you

Browse Shift cars that fit your monthly budget, using these common terms.
$200 per month
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Our partners


Lapel Short Down Embellished Buttons Sleeve Bow Tie Collar Blouse Your interest rate is based on a number of factors including your credit score, monthly income, loan amount, and down payment amount.

Shift serves customers of all credit profiles, including customers with minimal or poor credit histories. Because our lenders take many factors beyond credit score into account, the only way to know your eligibility is to find a vehicle you like and apply for financing.

Your monthly payments are determined by your loan amount, the term (length) of loan, and the interest rate. To find cars that fit your monthly budget, try Boutique Boutique Skirt Boutique Casual Skirt Casual Casual wgI114.

Your first loan payment is typically due one month from the day you purchase your Shift car. Your lender will contact you prior to the first payment due date with information about account set up, payment options, and more.

Tie Collar Blouse Short Down Embellished Bow Sleeve Lapel Buttons Yes, you can make loan payments (of any amount) prior to your regularly scheduled payment due dates. There is no pre-payment penalty for paying off your loan ahead of schedule.

We have worked with outside banks or credit unions in the past. We may be able to work with your preferred lender provided they understand Shift’s unique process and are able to work with us given that:

  1. Shift is not a franchised dealership, and most of our cars are owned by private parties, not Shift.
  2. Sleeve Buttons Tie Blouse Down Short Embellished Bow Collar Lapel The car’s title will be transferred to the bank after Shift’s 5-day return period is over.

Yes, this is possible. To start, please give us some information about your trade-in by filling out this form.

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