Financing & pre-qualification
Eleven lenders, one short form, and real approved terms — not teaser rates.
Six minutes now saves two hours at the desk
Fill in the pre-qualification form and we shop it to our lending panel: three national banks, six Ohio credit unions and two specialist rebuilt-credit lenders. You get back the actual rate, term and monthly payment each one will honour, side by side, with the total cost of credit written out in dollars.
- Pre-qualification uses a soft credit pull — your score is not affected
- Terms from 24 to 72 months, APRs currently from 6.49% for qualified buyers
- No prepayment penalty on any lender we work with
- First-time buyer and rebuilt-credit programs available
- Down payments from 10%; trade-in equity counts toward it
Representative example: $18,000 financed over 60 months at 7.99% APR = $364.83 per month, total repayable $21,889.80. Rates depend on credit history, term, vehicle age and down payment. Park Avenue Motors is not a lender.
Pre-qualify in about six minutes
Sent securely to our finance manager. We reply the same business day, or by 10 AM the next if you apply after hours.
Payment scenarios on a $20,000 vehicle
Excellent credit
720+ score · 60 months · 6.49% APR · 10% down
Average credit
640–719 score · 60 months · 9.99% APR · 10% down
Rebuilding credit
Under 640 · 60 months · 15.9% APR · 20% down
Illustrative only. Actual offers are made by the lender, not by Park Avenue Motors.