Get Pre-Qualified.
Getting started takes just a few minutes.
Fill out our secure pre-qualification form, and a member of The Car Shoppe team in Malta will reach out to talk through your financing options. We work with outside lenders that review applications from customers with many different credit backgrounds.
Start Pre-QualificationSee What Financing Fits Your Budget.
Fill out the secure pre-qualification form below, and a member of The Car Shoppe team in Malta will review your information and reach out to talk through your options. We work with a network of outside lenders that review applications from customers with many different credit backgrounds, including good credit, bad credit, no credit, and first-time buyers.
Pre-qualification is not a guarantee of approval. All financing is subject to lender approval. Rates, terms, and required down payment vary by applicant, lender, and vehicle.
Pre-Qualification FAQs
Find quick answers to common questions about getting pre-qualified at The Car Shoppe.
Can I use my trade-in toward my down payment?
Yes. The value of your trade-in can go toward your down payment, which may reduce the amount you need to finance and help strengthen your application.
How long does the pre-qualification process take?
The form takes just a few minutes to complete. After you submit it, a member of our Malta team will review your information and reach out to talk through your options.
Will getting pre-qualified affect my credit score?
When a lender reviews a financing application, they may check your credit, which can appear on your credit report. Our team is happy to explain how the process works before you move forward so you know what to expect.
Why should I get pre-qualified before visiting The Car Shoppe?
Getting pre-qualified first saves time at our dealership on US-9 in Malta. Drivers from across the Capital Region, including Saratoga Springs, Troy, Albany, and Schenectady, can come in knowing their options. Fresh inventory arrives regularly, including plenty of vehicles priced under $20K, and our team will help you compare vehicles and find a payment that fits your budget.
Can I get pre-qualified at The Car Shoppe if I have bad credit?
Yes, you can submit a pre-qualification request with any credit history. We work with a network of outside lenders that review applications from customers with many different credit backgrounds, including bad credit. Approval is up to the lender.
What is the difference between pre-qualification and a full credit application?
Pre-qualification is a quick first step that gives our team the basics so we can talk through your options. A full credit application collects more detailed information and is what lenders use to make a financing decision.
Does pre-qualifying guarantee that I will be approved?
No. Pre-qualification is not a guarantee of approval. All financing is subject to lender approval, and rates, terms, and required down payment vary by applicant, lender, and vehicle.
Can I qualify if I have no credit or I am buying my first vehicle?
Many of our lending partners work with first-time buyers and customers who are just starting to build credit. Our team will explain what lenders look for and help you explore options that fit your budget, subject to lender approval.
What information do I need to get pre-qualified?
The form asks for basic details such as your name, contact information, and income. If you move forward, lenders may ask for documents like a driver's license, proof of income, and proof of residence.
Can I get pre-qualified before choosing a vehicle?
Yes. Many customers get pre-qualified first so they have a better idea of their budget before they shop. Once you know your options, our team will help you compare quality pre-owned cars, trucks, and SUVs that fit.
