Finance Center
See A CAzillion. Find the One.
City Auto Memphis arranges used car financing at its Elmore Road store, where City Auto first opened in 1986. Start with the online finance application, and the Memphis finance team will review options from a network that includes top local lenders and some of the country’s largest banks. The team works with just about any credit situation. You can also finance any City Auto vehicle here, because the group’s stores transfer vehicles to Memphis at no charge. Questions? Call 901.377.9502 Monday through Friday from 8 AM to 7 PM or Saturday from 9 AM to 6 PM.
City Auto’s lender relationships go back decades, to the Elmore Road lot where the company started. Every City Auto location now works with established local and national lenders. The Memphis team uses that network to find an auto loan with terms that fit your budget.
Send the finance application from home before you visit.
The Memphis finance team reviews your application with its lender network and walks you through what’s available.
Choose your vehicle, review the terms, and sign at 4932 Elmore Rd.
Strong credit helps, but it isn’t the only thing lenders consider. City Auto’s credit specialists are trained to work with buyers who have credit concerns, and because the team works with a range of lenders, past credit problems shouldn’t stop you from applying. Before you do, you can check your credit report for free at AnnualCreditReport.com so you know where you stand.
A trade-in can reduce the amount you borrow. Get an online value estimate first, then have your vehicle appraised on Elmore Road. You can also sell your car to City Auto outright.
Your options aren’t limited to the Elmore Road lot. Pick a vehicle from any City Auto store, and Memphis can bring it in at no charge and finance it like any car on the lot. Shop used cars in Memphis or browse every store. Shopping from Collierville? See directions and tips for Collierville drivers.
Memphis buyers get access to City Auto’s full lender network, from local institutions to national banks.
Yes. Complete the online finance application from home, then call 901.377.9502 or stop by Elmore Road to review your options with the finance team.
No. City Auto Memphis arranges financing through outside lenders, from local institutions to national banks. If you have credit concerns, apply online and the finance team will review your options.
At City Auto Memphis, 4932 Elmore Rd, Memphis, TN 38128. That’s where you’ll review the terms and sign before you drive home.
Mainly the amount you finance, the interest rate, the length of the loan, and your down payment. A larger down payment or trade-in lowers the amount financed, and your credit history influences the rate lenders offer.
The interest rate is the cost of borrowing the loan amount. The APR, or annual percentage rate, includes that rate plus certain finance charges, so it gives a fuller picture when you compare loan offers.
Applying ahead of time can save time at the dealership and lets you shop with a clearer budget in mind. You can still compare vehicles once you arrive.
Your Memphis Car Loan Starts Online
Apply from home, and the Elmore Road finance team takes it from there.