Approved. Whatever your story.

There is no minimum credit score at Coastline Motors. We work with over 30 lending partners specifically so we can match buyers across the credit spectrum — including bad credit, no credit, and first-time buyers. Most applicants receive at least one offer within 60 seconds of completing our online application.

No. Our pre-qualification uses a soft credit inquiry, which does not affect your credit score and is not reported to lenders. A hard inquiry only happens after you have selected a vehicle and decided to move forward with financing.

It depends on the lender and the vehicle, but many of our financing programs require zero down payment. Larger down payments typically reduce your monthly payment and can improve your rate, but they are not required to get approved.

Yes. We accept trade-ins regardless of payoff status. If you owe more than your trade-in is worth, we can roll the negative equity into your new financing. We pay the lender directly, so you never have to write a check yourself.

The online pre-qualification takes about 60 seconds. From there, picking up the vehicle and signing paperwork at the dealership typically takes 45 to 90 minutes. Many of our buyers complete the entire process — from application to driving home — in under two hours.

Your driver's license, proof of income (a recent pay stub, tax return, or bank statement), proof of residence (a utility bill or lease), and proof of insurance. If you are trading in, bring the title or your most recent loan statement.

Yes. We have lenders that accept ITIN (Individual Taxpayer Identification Number) applicants. The application process is the same — we just match you with the appropriate lending partner.

Rates vary based on credit profile, down payment, vehicle age, and loan term. Current market rates for our buyers typically range from 6.9% to 24.9% APR. Your specific offer will be displayed during pre-qualification.