Get Approved
Your next vehicle is closer than you think. Start a fast, secure application online and let our finance team go to work exploring options across our lending network — whether you have strong credit, a few bumps in the road, or you’re just getting started.
Choose your store
Pick the dealership you’d like to work with and open its secure finance application.
Tell us about you
Complete a short, secure form in just a few minutes — from your phone, tablet, or computer.
We go to work for you
Our finance team reviews your application and explores options across our network of lenders.
Choose Your Dealership to Apply
Each store has its own secure application. Pick yours to get started.
Valley Lexus
Modesto, CA
Valley BMW
Modesto, CA
Valley Kia of Modesto
Modesto, CA
Coliseum Lexus of Oakland
Oakland, CA
Car-Buying, Made Comfortable
Every credit story is different, and ours is a judgment-free zone. Our finance team has helped shoppers across the Central Valley and the Bay Area find a path forward — and we’ll work hard to do the same for you. Applying costs nothing and puts you under no obligation.
Financing Questions
Do you really bring cars from other stores to me?
Yes — we transfer any vehicle between our Fitzpatrick stores for free, so you can shop the entire group's used inventory from whichever location is closest to you.
Will checking my rate hurt my credit?
No. Our pre-qualification uses a soft credit pull, so you can see your real rate and monthly payment with no impact to your credit score.
Is the online price the price I pay?
Yes. The price shown on each vehicle is our upfront price — no hidden add-ons and no haggling required.
Are your used vehicles inspected?
Every vehicle is reconditioned and goes through a multi-point inspection before it's listed, and many are manufacturer-certified.
Can I reserve a vehicle while I arrange financing?
Reach out to the store and our team will walk you through availability and next steps. Getting pre-qualified first makes the whole process faster.
Do you accept trade-ins?
Absolutely. We'll appraise your trade and apply its value toward your purchase at any of our stores.
Do you sell used vehicles from brands other than BMW, Lexus, and Kia?
Yes. Our stores are BMW, Lexus, and Kia dealerships, but our used inventory spans many brands — Toyota, Honda, Ford, Tesla, and more — because we take in trades and purchases across all makes.
Can I see an estimated monthly payment before visiting?
Yes. Every vehicle shows an estimated monthly payment, and you can set your own down payment, term, and APR right on the site — then pre-qualify with a soft credit pull to see your real rate.
Submitting an application does not guarantee credit approval or financing. Approval and terms depend on your creditworthiness, income, and lender criteria, and not all applicants will qualify. Applications are submitted to the dealership you select.