Financing
Drive today. Approved fast.
Good credit, bad credit, first-time buyer — our finance team works with 20+ lenders to find the right loan for you. Bilingual team. No-pressure process.
Soft credit pull
Pre-qualify with no impact on your score.
20+ lender network
Banks, credit unions, captive & subprime — we shop them all.
1-hour approvals
Most decisions back the same business hour.
Programs
Find the financing program that fits you best
Established credit
Prime Credit
Competitive rates and longer terms for established credit.
First vehicle
First Time Buyer
Financing for first-time buyers or customers building credit.
ITIN friendly
No Social Security / ITIN
Support for ITIN, no Social Security, or hard-to-prove income.
Buy here pay here
In House Financing
In-house options when traditional financing isn't the best fit.
How It Works
Get Approved in 4 Simple Steps
Pre-qualify online
Fill out the 30-second form. Soft pull only.
We shop lenders
Our team submits to 20+ banks and credit unions.
Pick your terms
Choose the offer that fits your budget.
Sign and drive
Bring your paperwork, drive off the same day.
Customers Who Got Approved
Real financing stories.
These reviews are from customers describing their financing experience at Benitez Auto Group.
"Despite my limited credit history, they went above and beyond to find a financing option that worked for me. The entire process was quick, easy, and incredibly transparent."
Eyrica A.
"I was worried my ITIN would make financing impossible. Benitez had me approved and driving the same afternoon. No pressure, all bilingual."
Marcos G.
"First car, thin credit file, and they still got me a payment that fit my budget. They explained every number before I signed."
Jasmine T.
FAQ
Financing questions.
Will applying hurt my credit?+
Pre-qualification uses a soft pull — zero impact on your score. A hard pull only happens after you accept an offer and we submit the final application.
Can I finance with bad or no credit?+
Yes. We work with subprime lenders and first-time-buyer programs. A solid down payment and steady income help us secure the best terms possible.
What's the minimum down payment?+
Most lenders look for 10-20% down, but we have programs starting as low as $1,000 down for qualified buyers.
Do you accept trade-ins?+
Absolutely. Bring your vehicle in for a free appraisal — trade equity goes straight toward your down payment.
How long until I drive off?+
Most customers complete pre-qualification, vehicle selection, and signing in under 2 hours.
Ready When You Are
Find your next car.
Pre-qualified buyers shop with confidence. Browse the lot online or come see us in person.