(919) 772-4042 12606 Cleveland Road, Garner NC

Used Car Financing

Financing Solutions for Everyone

At 4042 Motors, we believe everyone deserves a chance to drive a quality vehicle, regardless of their credit situation. That's why we've developed three distinct financing programs to meet you wherever you are in your credit journey.

Our experienced finance team works with multiple lenders and offers in-house financing options to ensure we can get you approved and on the road. Whether you have perfect credit or are working to rebuild, we have a solution that fits your budget and needs.

Schedule Your Visit START APPLICATION

Why Finance With 4042 Motors?

Payment That Fits Your Budget

We work with your income and expenses to create a payment plan that you can comfortably afford.

Quick & Easy Process

Our streamlined approval process means you can get pre-approved quickly and drive home today.

Transparent & Honest

No hidden fees or surprises. We explain all terms clearly so you know exactly what you're agreeing to.

Personal Service

Work directly with our family-owned team who cares about getting you the best deal possible.

Why Finance With Us?

  • Credit union rates available
  • Buy here, pay here on select vehicles
  • Bad credit specialists
  • Flexible payment schedules

Schedule Your Appointment

Let us prepare your financing options and pull vehicles that match your needs before you visit.

Book Your Visit (919) 772-4042

Our Financing Options

Guaranteed Credit Approval

Bad credit? No credit? Bankruptcy? No problem. With applicable cash down we can get everyone approved with financing.

  • Recent bankruptcy accepted
  • First-time buyers welcome
  • Low down payment options
  • Flexible payment schedules

Credit Union Financing

Well-qualified buyers can take advantage of competitive credit union rates with excellent terms and conditions.

  • Competitive interest rates
  • Longer payment terms available
  • Quick approval process
  • Established credit relationships

Buy Here, Pay Here

Direct in-house financing available with half down due at signing. Not all vehicles will qualify.

  • Weekly, bi-weekly, or monthly payments
  • No bank approval needed
  • Build your credit with on-time payments
  • Personal service and support