We keep our customers on the road by offering used car financing.

If you have bad credit or no credit, University Auto Sales is here to help. We provide financing options regardless of your past credit history (bad credit and/or no credit), previous repossession, or bankruptcy. We’ll sit and talk with you to understand your current financial situation, budget, and long-term goals. Then we’ll determine a down payment and payment plan that’s affordable and works for you. Our goal is to help you be successful.

We make buying a used car and auto financing easy

University Auto Sales stands out as the go-to choice for securing financing on your vehicle purchase, surpassing all other used dealerships in the area. With a stellar track record of facilitating successful vehicle transactions, we have solidified contractual business-to-business connections with some of the region's major lending institutions. This allows us to offer comprehensive financing options to our esteemed customers.

Acquiring preferred financing for your used vehicle from University Auto Sales is now more convenient and affordable than ever before. Experience a quick and straightforward pre-approval process, and let our experienced finance team secure the best rates from our top-tier lenders.

Benefit from our years of industry expertise as University Auto Sales leverages established relationships for your advantage. Our connections with lenders ensure that you receive the most favorable rates. Take the first step in your journey to a nicer, newer car by applying now through our 100% secure credit application. Trust University Auto Sales to make your car-buying experience seamless and start enjoying your upgraded vehicle today.

Low Down Payments

We offer low down payments so you can quickly get into a vehicle. The down payment depends on the vehicle you choose, trade-in value, your credit application, as well as any promotion we may have going on during the month.

Payment Options

We can create payments that fit your budget and payment schedule. You can decide to make weekly, bi-weekly, and monthly payments depending on your situation.

Lay-A-Way Plan

Plus, we offer a lay-a-way plan that allows payments up to six weeks to pay on your down payment. If you have qualified to purchase a vehicle, but you’re short on your down payment, our lay-a-way program can help.



Discover your borrowing capacity without affecting your credit score, and rest assured, there's no obligation to finance with University Auto Sales.

Understanding your borrowing potential is a crucial step that won't impact your credit score, and it comes with no commitment to choose University Auto Sales for financing. This knowledge helps streamline your options and saves time during your vehicle shopping process. If you're in the market for a used car, pre-qualifying for an auto loan online can give you a competitive edge when you discover the perfect vehicle.

Our online pre-qualification application allows customers to secure an auto loan amount in just five minutes, requiring no specific vehicle information. Upon completion, you'll receive a confirmation letter outlining your pre-qualification and detailing the next steps.

Expect a follow-up from our expert finance team to discuss your auto financing options. We'll explore various methods to minimize your interest rates and monthly payments, ensuring affordability for your next used vehicle, truck, or SUV. Worried about bad credit? Don't let it hinder you. Our used car dealerships in Moscow, Idaho, and Lewiston, Idaho, specialize in helping drivers with less-than-ideal credit secure financing.

Our dedicated auto loan specialists are here to assist you in obtaining favorable loan terms and interest rates that align with your needs. Our priority is to get you pre-approved for an auto loan promptly, so you can soon be behind the wheel of your chosen vehicle.

If you have any questions about the pre-approval process, credit limits, auto lenders, or any other concerns, feel free to reach out to our knowledgeable auto loan staff.

Ready to make your used car or used truck purchase today? Explore our current used vehicle inventory and take the next step toward your automotive goals.


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