Get approved today.
1-hour car loan approval.

South Motors Auto Credit Financing Services makes it easy. Drive it home today.

  (877) 676-1737

  Live Chat

Weekdays: 9:00am - 7:00pm, Saturday: 9:00am - 7:00pm, Sunday: 11:00am - 5:00pm


Your time is money. 1-hour credit response.

In most cases, we may obtain financing approval within just one hour. Select your vehicle and you will be on the road in no time. Long gone are the days waiting hours to obtain financing. Our streamlined process offers a secure electronic connection to over 40 lenders to get you the right offer in writing in a few minutes.

What you need:
  A valid driver's license
  A copy of your most recent utility bill
  A copy of your most recent pay stub

Limited-time special offer: Inquire online and get a $250 payment credit.


100% credit approval is our goal

We understand your needs and we are ready to work to get you approved today. If you believe your current credit score is sub-prime, please call us. In fact, we have developed a direct line for you to speak to a financing professional with no waiting during business hours.

A bad credit history doesn't mean that you cannot obtain financing for a car. However, there are some things you should consider to get the best financing available.

No auto loan too small or too large

Whether you are shopping for a $5,000 used car or a $50,000 luxury sedan, we will work to get you the right financing to best fit your wants and needs.

Financing available as low as 1.9% APR

South Motors has relationships leading auto manufacturers to obtain the lowest interest rates available to you. Getting you the best rate available is our job. Leave it to us.

Access to over 40 lenders

From national lending institutions to local and regional banks, we work with over 40 financing partners to find the best fit for you.  There are several factors a lending institution may consider when qualifying for an auto loan. Even if your credit was recently denied for a loan, different value qualifying credit criteria differently. Understanding this relationship helps. Some lenders will see a tarnished history in a more positive light than others.

Don't settle for less than you deserve. We can focus on the right vehicle with a high value to loan ratio that can get you approved. Many "buy here, pay here" locations focus on selling financing first. This leaves shoppers settling for limited selection and a higher payment. At South Motors, we consider the overall loan value to present the best options available to you.

Over 2 Million customers since 1956.

Trust your credit to an experienced professional with your best interest in mind. As a trusted local Miami dealership for 60 years, South Motors takes great pride in our ties to our community as well as our lending partners.