Get a Lower Rate and Monthly Payment on Your Next Car Loan

Our financial services help you take control of your next auto loan. We’ll get you the best interest rate, monthly payment, and total loan cost possible — shopping multiple lenders and structuring the deal around your goals.

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Jacob K.’s new vehicle from Phoenix Car Brokers — Jacob K. • Google review

The Finance Department Has Never Been More Perilous

For most buyers, auto financing is all about getting the lowest interest rate possible, and hopefully ending up with an affordable monthly payment. This one-dimensional way of thinking leaves the door open to all kinds of exposure, typically in the favor of the lender and the dealer. Our mission is to improve the economics of our clients’ car deals, and increase awareness of the different levers you can pull to control the outcome of your next deal.

The Numbers Matter

4 out of 5 new cars are now financed.
1 in 5 new-car buyers now commits to a payment of over $1,000 a month — a record high.
Nearly 1 in 4 new-car loans now stretches 84 months (7 years) or longer — an all-time high.
The average new-car interest rate sits near 6.9% APR, close to historic highs.
Nearly 1 in 3 trade-ins is now underwater, owing an average of $7,000+ more than the vehicle is worth.
Dealerships make more money from their finance department than from the front-end profit of the entire dealership.

The financing is where much of a car deal is won or lost — and where having an advocate in your corner matters most.

Our 6-Step Financing Process

Strategic Financial Consultation

We start with a conversation about where you are and what you’d like to accomplish. We review your situation — your credit, your income, your cash position, and any vehicle you’re looking to trade or sell — and walk through your options together, including a look at the rates you’re likely to qualify for. By the end of the call, we have everything we need to start building your deal.

Read our Auto Finance Strategy Guide →

Solve for the Unknowns

Next, we go to work building your deal behind the scenes. We research the interest rates you’ll qualify for based on your credit and the type and age of vehicle, value any trade-in and calculate its equity, and run the numbers on different loan structures. Whatever your goal — a target monthly payment, a specific amount financed, a certain rate — we solve for the variables that get you there.

Explore our Financial Tools →

Present the Game Plan

We get back to you with the full picture and a clear plan. You’ll know exactly what rate to expect, what your trade is worth, and what it takes to hit your target — right down to the year, price, and type of vehicle that fits your numbers. Once you give us the green light, we move to execution.

Put the Deal Together

With the strategy approved, we execute. We sell or get real cash offers on your trade, source the vehicle that fits the plan, and make sure it’s one you’re genuinely excited about. Then we assemble every piece of the deal and prepare it for submission.

Submit to the Lender

We package the deal and submit it for approval. When the terms come back, we review them with you and fine-tune anything that needs adjusting — the rate, the down payment, the structure — until the numbers work and you’re comfortable moving forward.

Close the Deal

With everything approved, we complete the transaction and coordinate every party involved. The funds reach the seller, your trade is handled, and we arrange for you to take delivery of your new vehicle — the finish line of a deal built entirely around your goals.

Frequently Asked Finance Questions

Can’t I just get financing at the dealership?

The dealership isn’t a bad place to finish your loan — but it’s rarely the best place to start. Walking onto the lot before you’ve talked to any lenders is like showing up to court without a lawyer: you’re underrepresented, and that works against you. Our process still allows for dealership financing — but only after we’ve structured your deal and shopped it against other lenders who may beat their rate. There’s also a cost most buyers never see: dealers can add what’s called “dealer reserve” — a markup of up to 1.65% on top of the bank’s rate — which can quietly add over $1,000 to your loan on most vehicles today. When we help you go to the lenders directly, we cut out that middleman.

Is this going to cost me anything?

There’s no charge for our initial financial consultation. You’re welcome to connect with us and we’ll happily go over any questions you have. We do charge for our buying and selling services — priced case by case — but there’s zero pressure and no obligation to hire us unless you feel it would benefit you.

We’ve also put together a number of free resources you’re welcome to explore:

Are you going to run my credit?

Not until we’ve put the entire structure together and figured out all the other pieces first. We’ve developed an interest rate estimating tool that lets us estimate the rate on your next loan based on your approximate credit score and the approximate year of the vehicle you’re considering. This is one of the best parts of our system: we account for every known variable before we ever ding your credit. With most credit applications, that simply isn’t the case.

What’s the deal with leases? How do they work?

A lease is a type of financing that can make sense in the right circumstances, though it often increases the lifetime cost of a vehicle. We’re fluent in structuring leases and can help you decide whether one is the right move for your situation.

More Than a Loan

Getting you the best possible financing is what we do — but helping you understand it is what we care about most. Reach out to us today to take control of your next auto loan.

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What Our Clients Say

Joseph’s vehicle from Phoenix Car Brokers — Joseph C.Google review

Angel’s vehicle from Phoenix Car Brokers — Angel V.Google review

Kacey’s vehicle from Phoenix Car Brokers — Kacey C.Google review

Connor’s vehicle from Phoenix Car Brokers — Connor F.Google review

Jamie’s vehicle from Phoenix Car Brokers — Jamie R.Google review

AJ Lydon

Lead Broker

AJ got his start in the car business at Arizona State University, when a classmate hired him to track down a good deal on a car. He soon graduated from selling cars out of his dorm room to working as a sales manager at some of the largest dealerships in Arizona. There, he developed a passion for helping people find the right vehicle — and maximize their buying power along the way.

As the owner and operator of Phoenix Car Brokers, AJ now works exclusively on his clients’ side of the table, managing their vehicle portfolios with the care and diligence of a trusted advisor.