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Payment Right for You

Monthly Payment

Select the monthly payment
you can afford

Down Payment


Your down payment is the
same amount as your
monthly payment (plus tax,
title & licensing fees)

Loan Terms

38.5 months

All loans from 500 Below Cars
have a default loan term
of 38.5 months

We're Here to Help

All of our advertised prices are based on a 38.5 month loan with a simple monthly payment, down payment, and tax, title and license fees – but that’s just where we start. Need a lower down payment? Need a longer loan? Something in your history that keeps you from qualifying for our standard financing terms? No problem – we’ll work with you! All of our guests at 500 below are unique. We’re not just here to sell you a car – we’re here to help you buy one.

No Credit Needed

We want to provide you with the best possible car-buying experience, which is why our standard program doesn’t require good credit. Our approval process is based primarily on residence and job history. If you have a steady job, we want to work with you to get you in a car you love.