Financing made simple

Car ownership, made affordable

At Julio Tu Car Guy our goal is to make car ownership affordable. That’s why we’ve developed a fast, flexible, and stress-free financing process, regardless of your credit history or financial situation.

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Why finance with us?

Real options for real people

One Easy Application

Skip the complicated forms. Our easy financing application will take just minutes to fill out.

Fast Approval Process

No long waits. Within minutes, you’ll receive a loan decision so you can begin shopping with confidence.

Competitive Rates

We link you to financing options that bring real value with interest rates and terms that suit you.

Flexible Credit Consideration

No matter whether you have great credit, are rebuilding, or are just starting out, we’ll find a solution that works.

Friendly Guidance

Not sure what you are eligible for? We’re here to explain your options, answer your questions and help you make wise choices.

Trade-ins Welcome

Put the value of your current vehicle toward your down payment — we’ll appraise it with your application.

Plan your budget

What will my payment be?

Play with the price, down payment and term to see a ballpark monthly payment. When you’re ready, one application turns the estimate into a real offer.

First-time buyers welcome
ITIN applications accepted
Bad credit, no credit, rebuilding — let’s talk
Out-of-state buyers: paperwork handled remotely

Payment estimator

$582/mo

$31,500 financed · 72 months · 9.9% APR

Vehicle price

Down payment

Trade-in value

Credit

Term

Get pre-approved

Estimate only, not an offer of credit. Rates shown are examples; your actual APR and terms depend on credit approval by the lender. Excludes tax, title, license and dealer fees.

Ready when you are

It takes about five minutes. You’ll hear back from Julio quickly.

Apply For Financing