Bad credit or no credit?
There's another lane.

Step 1

Tell us your payment

How much you can put down, what you can pay monthly, and your zip. That's it.

Step 2

See cars that fit your budget

Every car you see is within both numbers you entered — the cash down and the monthly. No sticker shock, no bait-and-switch.

Step 3

Talk to us, not sales reps

Chat or call a Carpay specialist. We handle the dealer back-and-forth for you.

Step 4

Drive it home

Pick up the car at the dealer with your down payment — no credit-score surprises.

Carpay itself never runs a credit check to browse or inquire. Many dealers on Carpay specialize in in-house (Buy Here, Pay Here) financing and set their own approval criteria — confirm the details directly with the dealer.