Purchasing From A Private Party


Buy The Car You Want - WHEN You Want

Many lenders offer pre-approvals, giving you the flexibility of knowing exactly what you are approved for before car shopping.

Borrow Only What You Need

Borrow the full asking price of the vehicle, or just what you need if you have a down payment available.

Consolidate Other Debt To Save Money

Depending on your debt-to-income and credit score, you could borrow money to not only purchase the vehicle you’ve had your eye on, but obtain cash back to pay off other, higher interest debt.

Frequently Asked Questions

Obtaining a cash loan to purchase a vehicle from a private party can be confusing, so here are some of our most frequently asked questions from car buyers just like yourself.

Does it matter what type, or how new the car is I want to purchase?
Typically with a cash loan for the purpose of buying a vehicle, the main determining factor is not age, but simply the value of the vehicle.  The vehicle is considered the collateral, which the bank can repossess in the event of loan default.
What if I don't know what car I want to buy right now?
No problem, lenders will use your debt-to-income ratio and credit score to determine the amount and interest rate they are willing to provide. This gives you the flexibility to search for cars by knowing exactly what you are able to spend.
What if I am not approved?
ACA has a handful of lending partners which we will contact to assist in the approval process, but stipulations change every day, so we can’t guarantee approval on any type of loan.  If we can not help, sometimes your local credit unions can be an excellent choice for private party purchasing.

Approvals Available For ALL Credit Types!