Three Simple Steps to Your Next Car
We've streamlined the entire car-buying process so you spend less time on paperwork and more time driving. Here's exactly what happens when you apply with Your Time To Drive.
Step 1 — Apply Online in 60 Seconds
Fill out our simple online application from your phone, tablet, or computer. We ask for basic information: your name, contact details, employment, and income. The whole thing takes about a minute. There's no lengthy questionnaire, no confusing forms, no hassle.
Step 2 — Get Matched with Financing
Once you submit your application, our team gets to work. We run your information through our network of lenders who specialize in bad credit, no credit, and unique credit situations. Many customers receive a financing match within hours. We'll reach out to walk you through your options and answer any questions.
Step 3 — Pick Your Car and Drive Home
With your financing in place, you visit one of our 140+ partner dealerships and choose from thousands of quality used vehicles. Our on-site finance specialists handle the paperwork, and many customers drive home the same day they arrive at the lot.
Frequently Asked Questions
Do I need good credit to apply?
Absolutely not. Your Time To Drive was built specifically for buyers with imperfect credit histories. Whether you have low credit, no credit, or a past bankruptcy, we encourage you to apply.
How fast is the process?
The application itself takes about 60 seconds. Many customers receive a financing match the same day. From application to driving home, the entire process can be completed in as little as 24–48 hours.
What vehicles can I choose from?
Our network includes 11,000+ quality used vehicles — sedans, SUVs, trucks, and minivans, across a wide range of makes, models, and price points. Our dealership staff will help you find something that fits your needs and your approved financing amount.
What if I have a trade-in?
Bring it along! Our dealerships accept trade-ins, and the value of your trade can be applied toward your new vehicle purchase.
Is there a down payment required?
Down payment requirements vary depending on your financing terms and the vehicle you choose. Our team will walk you through exactly what's needed once you've been matched with financing options.