(410) 367-0011

Locations & Hours

Closed. Opens Saturday at 9:00 AM

Apply for a car or truck loan online

Make financing a breeze by filling out our pre-approval form

Just provide us with some simple information and we’ll get you pre-approved and ready to go!

Contact Information(Step 1 of 5)

Are you applying for financing for yourself, or jointly with a co-borrower?

Current Address(Step 2 of 5)

Employment Information(Step 3 of 5)

Consent & Verification(Step 4 of 5)

Confirmation(Step 5 of 5)

Get pre-approved BEFORE you car shop

Whether you’re ready to buy or just dreaming of that new car, getting pre-approved lets you see exactly what you can afford so you can start shopping with confidence. Having a lender’s approval in hand gives you the power of a cash buyer and saves you hours at the dealership. We’re happy to work with all potential buyers in the Owings Mills, Ellicott City, Milford Mill, Pikesville, and the Baltimore metro and surrounding areas.

Skip the dealership

Our online approval process means there’s no need to come into our dealership. We make it easy to buy your car 100% online and it all starts with financing approval.

Get a clear price picture

Getting pre-approved is the easiest way to see how much you can afford for a new car. You’ll know the amount you’re approved for and how that breaks down into monthly payments, allowing you to choose a vehicle that fits comfortably into your budget.

Credit problems are no problem

We work with all types of credit situations. Whether it's good credit, bad credit, or no credit, we have solutions for you. Once you’re pre-approved, you’re guaranteed a car loan.

Lenders compete for you

Unlike getting pre-approved at a bank or credit union where you’ll only be shown their rates, we have a network of lenders who will compete against each other for your business. This also means that you’ll get a better rate than "buy here pay here" dealerships, which helps you pay less overall.

Zero stress car buying

Most people hate talking finances. By getting pre-approved online, you can skip the awkward money talk and find out just how much you can afford from the comfort of your own home.

Spend time, save time

By spending 2 minutes getting pre-approved online, you can save yourself hours in the dealership financing office. No need to look around for the best rate, you’ll shop like a cash buyer knowing you’re already approved.

Buy your car from anywhere

Lightning fast approvals

Our online application is quick and easy to fill out. You’ll know the amount you’re pre-approved for quickly or apply to get financing approved instantly thanks to our live approval process.

Lock in a low rate

Interest rates are at historic lows and our network of lenders fight to offer you incredible rates as low as 2.39% with $0 down.

Choose with confidence

All pre-owned cars, trucks, and SUVs on our lot has been undergone a 125-point inspection and comes with a 7-day exchange guarantee & lifetime powertrain warranty.

Sign & drive

After getting pre-approved, all that’s left to do is sign on the dotted line. Be in-and-out of the dealership quickly or complete everything online and we’ll deliver your car for free within 50 miles of our Randallstown location.

Enjoy the ride

Congrats on your new wheels! You got a great deal, at a great rate, on a sweet new ride. It pays to get pre-approved!

Finance FAQs

I’ve been turned down for a car loan before. Can I still get pre-approved?

Of course! We work with a large network of lenders and have the experience and connections to help you find financing that will work for you. We even work with a credit repair company that can help you raise your score by 60+ points in 60 days.

If I have bad credit, won’t my monthly payments be super high?

Not necessarily. We work with many different lenders so we can find solutions for all types of situations. We can also use any trade-in you have to boost your down payment and lower your monthly loan payments.

Do I have to pay to get pre-approved?

No, there is no charge to get pre-approved. We want you to know your options and pre-approval is free at Exclusive Motorcars.

Am I locked into buying after I get pre-approved?

No, you won’t be locked into anything. Pre-approvals just show you how much banks are willing to lend you. If you do decide to buy, the lenders are guaranteed to honor the terms in your pre-approval.

I’m self-employed. Can I still get a car loan?

Absolutely. We work with a large lender network so that we are able to offer options for everyone regardless of how they make their living. Whether you’re a gig worker, freelancer, business owner or another type of #boss, we can get you approved.

How long does pre-approval take?

We know you’re anxious to get in that new car so we fast-track all our pre-approvals. Fill out the form above and we’ll get back to you shortly—often within minutes!