Car shopping the express way

Depending on the vehicle, shoppers can pre-qualify for financing or receive hard-pull loan offers from our lending partners.

We work with many major US-based banks and are always adding new ones. Pre-qualification lenders include Capital One, Chase, Global Lending Services (GLS), and Westlake Financial. Hard-pull financing lenders include American Credit Acceptance, Ally Auto Finance, Bank of America, Chase Auto, Exeter Finance, Huntington National Bank, Regional Acceptance, Santander Consumer USA, TD Auto Finance, Truist, Wells Fargo, Westlake Financial, US Bank.

Pre-qualifying through CarGurus won’t impact your credit score. While a hard-pull credit inquiry will impact your credit score, it will only count as one inquiry no matter how many hard-pull applications you submit through CarGurus over a 14-day period.

Everyone can look for financing offers with our participating lenders, no matter their credit. However, we can’t guarantee that you’ll get an offer.

Dealerships may have more financing options. Reach out to them directly to learn more.

When calculating your monthly payment, we account for a number of factors including your down payment, your self-reported credit score or actual credit score (as applicable), the Annual Percentage Rate, and your loan term. If a car is eligible for financing through CarGurus, you’ll see a car loan calculator on the vehicle page. You can use that to adjust your down payment and term amount to find a monthly payment that works for your budget.

Only cars with the Home Delivery icon are eligible for delivery; look for the icon under the vehicle’s photo. You’ll find shipping cost information in the listing, too. You can also filter your search results by selecting Home delivery.

It depends. Some dealers cover all delivery costs. Others may choose to charge a flat fee or per-mile fee, based on the distance. All fees (if any) are included in the car’s price and are highlighted in your search results next to the truck icon. Delivery time varies from dealer to dealer. When contacting a dealership about a car, ask for a delivery timeframe.

This varies from dealer to dealer. When contacting a dealership about a car, ask for a delivery timeframe.

You can only return a car if the car you received doesn’t match its description on CarGurus. Contact the dealer if you have more questions.

Yes. If you decide not to buy the car, you can ask the dealer to cancel the $500 hold on your credit card.

If the car is still available when you reserve it, we’ll email you a confirmation. However, inventory moves fast. If the car has already been sold when you reserve it, we’ll email you to let you know.

This depends on the dealership. Contact the dealer to see if they can extend your offer.