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Simple. Transparent. Flexible.

Financing Options for Your Next Vehicle or Repair

At Infochainly, we make it easy for New York drivers to finance a vehicle purchase or spread out the cost of major repairs. Explore our lending partnerships, in-house plans, and a straightforward application process built around your budget.

Why Finance With Us?

Whether you're purchasing a vehicle from our inventory or approving a repair estimate, our finance desk works with a network of local and national lenders to find terms that fit your monthly budget. We evaluate applications from a wide range of credit profiles, and our advisors explain every fee and rate before you sign.

All financing offers comply with New York State lending disclosure requirements and federal Truth in Lending Act standards, so you always know the total cost before committing. For general consumer guidance on auto loans, the Consumer Financial Protection Bureau offers helpful independent resources.

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Financing Plans We Offer

Choose the plan that matches your needs — from vehicle purchase loans to short-term repair payment plans.

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Vehicle Purchase Loans

Standard term loans for new and used vehicle purchases, with terms from 24 to 72 months and competitive APRs based on credit tier.

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Low APR Buyer Programs

Qualifying buyers with strong credit histories may access promotional low-rate financing through select lending partners.

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Repair Payment Plans

Split larger repair invoices into manageable monthly installments so unexpected repairs don't strain your budget. Learn more on our repairs page.

Our Lending Partners

We work with a curated group of banks, credit unions, and specialty auto lenders serving the New York metro area, allowing us to shop your application across multiple institutions in a single visit. This helps buyers with varying credit profiles find approval without submitting several separate applications. Members of a local credit union may also want to check current rates directly, as the National Credit Union Administration maintains resources on federally insured member institutions.

Regional Banks

Local Credit Unions

Specialty Auto Lenders

Certified Finance Partners

How to Apply — 4 Simple Steps

Submit an Application

Complete our secure online form or apply in person with basic income and identification details.

Review Offers

We compare offers from our lending partners and present the best terms available to you.

Choose Your Plan

Select the loan term, down payment, and monthly payment structure that suits your budget.

Sign & Drive

Finalize paperwork electronically or in-store, and take home your vehicle or approved repair.

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What You'll Need to Apply

Valid government-issued photo ID
Proof of income (recent pay stubs or tax return)
Proof of residence in New York State
Current auto insurance information (for purchases)
Trade-in vehicle title, if applicable

Approval is subject to credit review and lender criteria. Rates, terms, and monthly payments vary by applicant. For an overview of your rights when applying for credit, review the Federal Trade Commission's guidance at consumer.ftc.gov.

Ready to Get Pre-Approved?

Speak with our finance team today to discuss vehicle financing or a repair payment plan tailored to your situation. No obligation, no pressure.

Contact Our Finance Team Browse Inventory

Frequently Asked Financing Questions

Have more questions? Visit our full FAQ page or reach out to our team directly.