Credit application

Yes. Drive Now specializes in helping drivers with bad credit, no credit, or past credit challenges. Because we are the bank and finance in-house, we can approve almost anyone, focusing on your ability to pay today rather than only your past. Most applicants qualify regardless of credit history.

It means we finance vehicles in-house instead of sending you to an outside lender. Drive Now is a buy-here, pay-here dealer, so we make the approval decision ourselves and offer one interest rate for everyone. That's how we approve customers other lenders turn away and keep the process simple.

You'll provide basic details like your name, contact information, address, employment, and income. Having a valid ID, proof of income, and proof of residence ready helps speed things up. The online application takes only a few minutes, and our team will let you know if anything else is needed.

No. Checking your credit through Drive Now won't hurt your score. If you don't know your credit score, our score checker can quickly pull your credit profile within minutes at no cost. It's a fast, pressure-free way to see where you stand before choosing your next vehicle.

Just minutes in most cases. Because Drive Now finances in-house, there's no waiting on outside lenders. Complete the quick online application and we can often pre-qualify you right away. From there, you can visit our Wichita, Topeka, or Coffeyville location to pick your vehicle and finalize the details.

Down payment requirements vary by situation, but Drive Now works to keep them affordable, and many customers qualify without a co-signer. Because we approve almost anyone in-house, we focus on getting you into a reliable vehicle. Apply online and our team will explain exactly what you'll need.

It can. Making consistent, on-time payments on your auto loan is one of the most effective ways to build a positive payment history over time. Drive Now makes payments easy to manage, and our team can explain how staying current may help you work toward stronger credit down the road.

Absolutely. Our online application lets you pre-qualify from home in minutes, before you ever step onto the lot. Getting pre-qualified helps you shop with a clear budget and saves time at the dealership. Once you're ready, visit our Wichita, Topeka, or Coffeyville location to choose your vehicle.

None at all. The online application is completely free, and applying does not obligate you to buy. You can see what you qualify for with no pressure and no impact to your credit score for checking. It's simply the quickest way to get pre-qualified with Drive Now.