Central Auto & Repair | Financing
Flexible Solutions

Financing

Affordable payment plans for your next vehicle purchase. We partner with trusted lenders to get you the best rates in Des Moines.

Drive Today, Pay Over Time

At Central Auto & Repair, we believe financing should be straightforward and stress-free. Whether you're buying a daily driver or upgrading to something special, our lending partners offer competitive rates and flexible terms for all credit situations.

We work with a network of local and national lenders who understand the Des Moines market. No hidden fees, no surprises — just honest financing that fits your budget and gets you behind the wheel.

Easy Approvals Car financing options
Financing Options

Traditional Auto Loan

Fixed rates with predictable monthly payments. Terms from 24 to 72 months tailored to your budget.

  • Competitive interest rates
  • No prepayment penalties
  • Simple application process

Buy Here Pay Here

In-house financing available for qualified buyers. Perfect for those rebuilding credit or needing flexible approval.

  • All credit situations welcome
  • Fast approval decisions
  • Build your credit history

Trade-In & Upgrade

Use your current vehicle's equity toward your next purchase. We accept all makes and models in any condition.

  • Fair market value offers
  • Apply equity to down payment
  • Seamless trade-in process
How It Works
01

Apply Online

Fill out our secure application in minutes. No obligation, no impact on your credit score.

02

Get Matched

We connect you with the best lender for your situation and vehicle choice.

03

Review Terms

We walk you through every detail. Clear numbers, no fine print, complete transparency.

04

Drive Home

Sign your paperwork and take delivery. It's that simple to get on the road.

Frequently Asked
What credit score do I need?
We work with all credit profiles. Whether you have excellent credit or are working to rebuild it, our lending partners have options available for your situation.
How much down payment is required?
Down payment requirements vary based on the vehicle and your credit profile. We'll work with you to find a comfortable arrangement that fits your budget.
Can I get pre-approved before visiting?
Absolutely. Apply online anytime and we'll provide a pre-approval decision quickly so you can shop with confidence knowing your budget.
Do you report to credit bureaus?
Yes. Our financing partners report to major credit bureaus, helping you build or improve your credit history with on-time payments.

Ready to Get Started?

Apply online today or visit our Des Moines facility. Pre-approval is fast, free, and comes with zero obligation. Let us help you drive home your next vehicle.

Apply for Financing
Apply for auto financing
* Financing offers subject to credit approval. Terms vary based on vehicle price, down payment, and buyer qualifications. All financing provided through third-party lending partners.

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