APPLY FOR FINANCING ONLINE | CHOICE AUTO & TRUCK

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Add Previous Address

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I want to receive marketing text messages on the phone number provided.

I want to receive non marketing messages, including updates and news, on the phone number provided.

By checking the boxes above, I consent to receive marketing and/or non-marketing text messages from Choice Auto & Truck Inc at the phone number provided. Message frequency may vary. Message and data rates may apply.
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I, the undersigned, (a) for the purpose of securing credit, certify that the below representations to be correct; (b) authorize financial institutions, as they consider necessary and appropriate, to obtain consumer credit reports on me periodically and to gather employment history, and (c) understand that we, or any financial institution to whom this application is submitted, will retain this application whether or not it is approved, and that it is the applicant's responsibility to notify the creditor of any change of name, address, or employment. We and any financial institution to whom this application is submitted, may share certain non-public personal information about you with your authorization or as provided by law.

By submitting this request, I accept the Privacy Policy

Apply for Financing Online

Choice Auto & Truck – Your Trusted Source for Auto Loans in Payson, Arizona

Ready to get behind the wheel? At Choice Auto & Truck, we make the financing process fast, easy, and stress-free. Whether you’re buying your first car or upgrading to something newer, our secure online credit application lets you start your financing from anywhere, anytime.

Why Finance With Us?

We work with a wide network of prime lenders, local credit unions, and other trusted financial partners to help you secure the best possible loan options, regardless of your credit history.

We specialize in:

No Down Payment and Low Down Payment Options
Prime Credit Lending for qualified buyers
Credit Union Financing
Trade-In Assistance
Flexible terms that fit your monthly budget

Who Can Apply?

We welcome applications from all credit backgrounds. Whether you have excellent credit, are rebuilding, or are just starting out, our experienced finance team is here to help.

You’re just a few minutes away from getting pre-approved.

What You’ll Need to Apply:

Valid driver’s license or ID
Proof of income (pay stubs, bank statements, etc.)
Employment and housing information
Trade-in vehicle details (if applicable)

Start Your Application Now

Use our secure online form to submit your application. Your information is kept private and will only be used to help you get approved.

Have questions? Call our Sales Team at 928-468-1970 or stop by our dealership in Payson, Arizona. Our finance experts are ready to assist you every step of the way.

Choice Auto & Truck – Financing Made Simple.

Questions?

Speak with one of our professional staff members to get quick answers to your questions.

[email protected]

Monday: 9:00 AM - 6:00 PM
Tuesday: 9:00 AM - 6:00 PM
Wednesday: 9:00 AM - 6:00 PM
Thursday: 9:00 AM - 6:00 PM
Friday: 9:00 AM - 6:00 PM
Saturday: 10:00 AM - 3:00 PM
Sunday: Closed

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I want to receive marketing text messages on the phone number provided.

I want to receive non marketing messages, including updates and news, on the phone number provided.

By checking the boxes above, I consent to receive marketing and/or non-marketing text messages from Choice Auto & Truck Inc at the phone number provided. Message frequency may vary. Message and data rates may apply.
Reply HELP for help or STOP to opt-out.

By submitting this request, I accept the Privacy Policy

Financing FAQs – Choice Auto & Truck

How do I apply for financing at Choice Auto & Truck?

You can apply online using our secure credit application. It only takes a few minutes and can be completed from anywhere, anytime.

Is the online financing application secure?

Yes. Our online application is fully secure, and your personal information is kept private. It is only used to help you get approved for financing.

Will applying online affect my credit score?

Submitting an application allows our finance team to explore loan options for you. Any credit checks are handled carefully, and we work to find the best solution based on your situation.

Do you offer financing for all credit types?

Yes. We work with customers who have excellent credit, are rebuilding their credit, or are first-time buyers. Our goal is to help everyone find a financing option that fits their needs.

Do I need a down payment?

Not always. We offer both no down payment and low down payment options, depending on your credit profile and the vehicle you choose.

What lenders do you work with?

We partner with a wide network of prime lenders, local credit unions, and other trusted financial institutions to provide competitive financing options.

Can I get pre-approved before visiting the dealership?

Absolutely. Applying online allows you to get pre-approved before you come in, saving you time and helping you shop with confidence.

What information do I need to apply?

To complete your application, you’ll need:

A valid driver’s license or ID
Proof of income (pay stubs, bank statements, etc.)
Employment and housing information
Trade-in vehicle details (if applicable)

Can I use a trade-in toward my financing?

Yes. We accept trade-ins and can apply their value toward your vehicle purchase to help lower your overall loan amount.

How long does the approval process take?

Many applications can be reviewed quickly. Our finance team works to provide updates as soon as possible after your application is submitted.

Do you offer flexible loan terms?

Yes. We offer a variety of loan terms designed to fit different budgets and monthly payment goals.

Do I have to buy a vehicle to apply?

No. Applying for financing does not obligate you to purchase a vehicle. It simply gives you more information about your buying power.

Who can I contact if I have questions?

You can call our Sales Team at 928-468-1970 or visit us in person at our dealership in Payson, Arizona. Our finance experts are happy to help.