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Car shopping? First stop, pre-approval.

Shop like a cash buyer.

Before visiting the dealer, get a pre-approval within minutes from Verve. With a pre-approval in hand, you’ll have a loan and monthly payment in place so you can focus on negotiating the best purchase price and avoid the finance haggle.

0% may not be the best deal.

Don’t assume 0% financing is your best bet. To get 0% financing, usually, you have to pass on any rebates being offered and end up paying full sticker price. Let’s say you can choose to buy a $20,000 vehicle with 0% financing for 5 years OR with $4,000 in cash rebate incentives:

  • $20,000 for 5 years at 0% means you’ll pay $20,000 over the lifetime of the loan.
  • $20,000 less $4,000 cash back is $16,000, financed with Verve for 60 months at a low 2.99% APR means you’ll pay $17,244.57 over the lifetime of the loan. That’s a savings of $2,755.43 if you take the rebate and finance at our low rate!

Before you take any offer, run the math to be sure it’s best for you. If you need help sorting out which offer is better, we’ll do the math for you. Just call or stop in.

Start your pre-approval

If you are thinking of buying a new or used car, get the most from your membership and save when you buy and finance your next vehicle with Verve.

APR = Annual Percentage Rate. Rates, terms, and conditions vary based on credit qualifications and collateral and are subject to change without notice. All loans are subject to approval and membership eligibility.