Financing & Leasing
Get behind the wheel with easy financing options tailored to your budget. Pre-approval takes just minutes with no impact to your credit score.
How It Works
Getting financed is simple. Follow these three easy steps and drive away in your new EV.
Get Pre-Approved
Complete our simple online application in minutes. We'll match you with the best financing options - with no impact to your credit score.
Find Your Vehicle
Browse our EV inventory knowing exactly what you can afford. Use the payment calculator to see how different vehicles fit your budget.
Finalize & Drive
Complete your paperwork quickly. Our finance team ensures you get the best rate and terms, then hands you the keys.
Why Finance With Carnex
We make financing easy with competitive rates and flexible terms for every credit situation.
Quick Approval
Get pre-approved in minutes, not days. Our streamlined process gets you on the road faster.
No Credit Impact
Our initial check uses a soft inquiry that won't affect your credit score.
All Credit Welcome
We work with all credit types. Rebuilding? No problem. We have options for everyone.
Competitive Rates
We partner with multiple lenders to find you the best rate for your situation.
Finance vs. Lease
Not sure which option is right for you? Compare the benefits of financing and leasing.
- Build equity with every payment
- No mileage restrictions
- Own your car outright at end of term
- Trade in or sell anytime
- Flexible loan terms (36-84 months)
Best for: Buyers who plan to keep their vehicle long-term and want full ownership.
- Lower monthly payments
- Drive a new car more often
- Warranty coverage throughout lease
- Lower upfront costs
- Easy end-of-lease options
Best for: Drivers who prefer new vehicles every few years and lower monthly costs.
Frequently Asked Questions
Have questions about financing? Find answers below.
Will applying affect my credit score?
No, our initial pre-approval uses a soft credit check which does not impact your score. A hard inquiry only occurs when you formally apply for financing after selecting a vehicle.
What credit score do I need?
We work with a wide network of lenders to accommodate all credit situations. Whether you have excellent credit, limited history, or are rebuilding, we have options available.
How long does approval take?
Pre-approval decisions are typically instant or within minutes. Final financing approval usually takes 1-2 business days once you've selected a vehicle.
What documents do I need?
For pre-approval, just basic personal information. For final approval, you'll need valid ID, proof of income (pay stubs or tax returns), proof of residence, and proof of insurance.
Can I pay off my loan early?
Yes! Most of our financing partners allow early repayment without penalties. Paying off early can save you money on interest.
Ready to get started?
Apply now and get pre-approved in minutes. No impact to your credit score.