We don’t send your credit to every bank. We match the deal.
Good credit, bad credit, or no credit. We listen first. Job time, income, payment-to-income, debt-to-income, cash down, and the car. Then we tell you the best path before anything is sent to a lender.
Nothing is submitted until you say so. If we send the file to a lender, that is a hard credit inquiry. Approval is not guaranteed.
Three steps. No runaround.
Tell us the deal
Name, phone, target payment, cash down, and a rough credit range. No Social Security on this step.
We structure it
We look at job time, DTI, PTI, LTV, and the car, then tell you which lender fits and what has to be true.
You decide
If the path works, we submit it. Sending the file to a lender is a hard credit pull. We do not submit until you say go.
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Have us call you
Prefer to talk first? Send this and the desk will call, structure the deal, and tell you the path before a lender sees the file. This is a contact, not a credit application.
Sales: 785-856-0280
Mon & Wed 8:30–6 · Tue/Thu/Fri 8:30–5:30 · Sat 9–3 · Sun closed
In the comments, please tell us your credit range, how much you can put down, and your target monthly payment.
By continuing you agree to be contacted by Selection Autos. This form does not pull credit. A later submission to a lender is a hard inquiry. Not a commitment to lend.
Some of the lenders we place deals with
Midwest Regional Credit Union
Member-owned since 1938 and NCUA-insured. Lawrence is in Douglas County, which is inside their membership area if you live or work there. Auto rates starting as low as 4.99% APR for qualified members, terms up to 84 months, and advances up to 115% of front-end value on the strongest credit. 2016 and newer vehicles. A parent can co-sign. GAP and other cancelable protection available.
Truity Credit Union
Member-owned credit union with a branch in Lawrence. Open to Kansas residents. Rates starting as low as 5.74% APR for well-qualified buyers on 2022 and newer. Terms up to 84 months, and advances up to 110% of value on the strongest credit. Up to 45 days before the first payment. No salvage or rebuilt titles.
Envista Credit Union
Member-owned Kansas credit union since 1957 and NCUA-insured. Named Best Credit Union in Kansas by Forbes for three years. Rates starting as low as 5.14% APR for well-qualified buyers on 2022 and newer. Terms up to 84 months on newer vehicles, and advances up to 120% of value on the strongest credit. Older vehicles considered. No salvage or branded titles.
Mazuma Credit Union
Member-owned since 1948 and NCUA-insured, based in Overland Park. Membership is for people who live or work in Johnson or Wyandotte County in Kansas, or Jackson, Clay, Platte, or Cass County in Missouri, plus federal employees and relatives of a current member. Rates starting as low as 4.89% APR with automatic payments for well-qualified buyers. Terms up to 84 months, and advances up to 125% of front-end value on the strongest credit.
Frontier Community Credit Union
Member-owned since 1954 and NCUA-insured. Lawrence is in Douglas County, which is inside their membership area if you live or work there. Rates starting as low as 4.85% APR for well-qualified buyers on 2022 and newer. Terms up to 90 months, and advances up to 125% of front-end value on the strongest credit. 2016 and older vehicles considered. No salvage or branded titles.
Azura Credit Union
NCUA-insured credit union with branches in Topeka, Lenexa, Olathe, Mission, and Ottawa. Membership required. Rates starting as low as 5.24% APR for well-qualified buyers on 2022 and newer. Terms up to 84 months, and advances up to 120% of front-end value on the strongest credit. Azura Lift goes up to 125% of retail value for buyers who need more advance. Up to 45 days before the first payment. No salvage or branded titles.
Mainstreet Credit Union
Member-owned since 1953 and NCUA-insured, based in Lenexa and serving the Kansas City metro. Lawrence is in Douglas County, which is inside their membership area if you live or work there. Rates starting as low as 4.99% APR for well-qualified buyers on 2022 and newer. Terms up to 84 months, and advances up to 120% of front-end value on the strongest credit. A co-signer can help on a thin file. Up to 90 days before the first payment on shorter terms. No branded or salvage titles.
Credit Union of Colorado
Places loans with Kansas dealers. Rates starting as low as 6.74% APR for well-qualified buyers on 2016 and newer. Terms up to 84 months, and front-end advances up to 125% of value on the strongest credit. Vehicles back to 2007 considered. Boost program looks at scores as low as 560, with advances up to 115%. FlexChoice, on 2021 and newer, is a lower payment with a balloon at the end that can be refinanced, traded, or paid off. No salvage titles. Up to 45 days before the first payment.
Lendmark
Fixed-rate auto loans for buyers the credit unions pass on. Approvals on scores as low as 500. Rates starting as low as 17.98% APR. Terms of 24 to 60 months, down payment of 5% to 10%, and advances up to 120% of retail book. No mileage cap. ITIN, self-employed, and Social Security income considered. Same-day funding. Salvage or rebuilt titles can be reviewed with more money down.
Global Lending Services
Built for buyers a credit union will not take, including lower scores and no-score files. Scores from 400 to 700 considered, and a zero score can be reviewed. Rates starting as low as 9.95% APR. Terms up to 78 months, down payment as low as $0, and advances up to 140% of value. Fast decisions, often the same day. We use GLS when a credit union is the wrong fit.
Licensed Kansas dealer. We do not make the credit decision. “Rates starting as low as” means the lender’s advertised starting rate for qualified buyers and can change. Credit union loans may require membership. Submitting to a lender is a hard credit inquiry.