Financing FAQs

At Enterprise Car Sales, we make buying and financing a car easy. Browse our FAQs for information on financing, from Enterprise Car Sales. We can help you find the car that’s perfect for you.

What is the Difference Between Dealership Financing and A Car Loan?

Though they may seem like the same thing, there is a difference between car loans and car financing. Car loans are set up directly between you and a bank, finance company or credit union. Conversely, you may apply for financing through a dealership. The dealer will sell your financing contract to a bank, finance company, or credit union, which will service your account. When you meet with one of our trusted Sales Consultants, they will walk you through each factor, so you can make informed and confident choices.

Does Enterprise Car Sales Help to Apply for Financing?

Yes. Enterprise Car Sales makes it easy to apply for financing. We work with a network of lenders to assist in securing financing for you.

What Credit Unions Does Enterprise Car Sales Use?

At Enterprise Car Sales, we help make the financing process easy. We work with several credit unions to help you secure financing. Learn more about financing options.

What Can I Afford?

A lot of factors come into your car budget, like rent/mortgage, bills, groceries, savings and other household expenses. Visit our Car Payment Calculator to help you estimate your monthly car payments and make an informed decisions about what is most affordable.

How Much Should My Car Payment Be?

The more money you put down to buy a car, the less you’ll need to borrow and accrue interest on – potentially leading to lower monthly payments and less interest. Visit our Car Payment Calculator to help you estimate your monthly car payments. Enter the amount you want to pay for your car each month and it will help calculate how much you can afford.

What is An Upside-Down Loan?

An upside-down loan means you owe more on the car you currently own than what it is worth. If that’s your situation, there may be financing options available for you. Apply today.

Can I Trade In My Car If It Has Negative Equity?

Yes, you can trade in your car if it has negative equity. The difference owed is simply combined with your new car loan/financing.

Can I Trade In A Car That Has a Loan on It?

Yes. We can take over the loan and pay it off. The difference owed is simply combined with your new car loan/financing.

Apply For Financing

Fill out an online form, and we will contact you. It’s that easy.

College Graduate Program

Recent college graduates may be eligible to receive special financing options.

Financing 101

We explain the many factors that could impact your financing terms.

First-Time Car Buyer

Enterprise makes it easy to buy your first car, even with less-than-perfect credit.

Car Payment Calculator

Estimate your monthly payments and set a realistic budget.

Enterprise Car Sales

Learn how Enterprise Car Sales makes buying, trading and selling easy.

Estimate your monthly payments:
Payment or price based on amount financed for Term (Months) and Finance Rate (APR) estimated on average for the credit score input by customer using the site calculator. These calculators are for illustration purposes only and do not include license and title fees, additional or optional charges associated with the sale and/or financing of the vehicle. Terms may not represent actual available credit terms. Credit score is not the only factor determining Finance Rate. We encourage you to seek advice from qualified financial service professionals regarding all your personal finance needs.


Terms & Conditions
1	Price includes all costs to be paid by a consumer, except for licensing costs, registration fees, and taxes; also not included are title registration, tag, governmental fees, electronic filing charges (excluding CO), any emissions testing and/or state inspection fees, transfer fee, and any finance charges (if applicable). Price does not include processing, administrative, dealer conveyance fee, closing, dealer and handling, or similar fees of $399 or less, except in the following states where the advertised price is inclusive of this fee: CO, GA, FL, IA, IN, KY, MA, NE, NH, NJ, SC, and TN. In WA state, a documentary service fee in an amount up to $200 may be added to the purchase price or capitalized cost. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other.
2	EPA fuel economy ratings are provided by the vehicle manufacturer and may vary with vehicle use, condition and driving habits.
3	Payment based on amount financed for month term APR chosen when customer estimated payment using the site calculator. These calculators are for educational purposes only. Calculator results do not include tax, title, tags, governmental fees, and emissions testing charges. Calculator results does not include processing, administrative, closing, dealer and handling, or similar fees of $399 or less, except in the following states where the advertised price is inclusive of this fee: CO, FL, GA, IA, IN, KY, MA, NE, NH, NJ, SC, and TN. Terms do not necessarily represent actual available credit terms. We do not guarantee the accuracy of the credit figures, or their applicability to your circumstances. We encourage you to seek advice from qualified financial service professionals regarding all your personal finance needs. We encourage you to seek advice from qualified financial service professionals regarding all your personal finance needs.
4	Copyright © 2024 by Kelley Blue Book Co., Inc. All Rights Reserved. Blue Book is a trademark of Kelley Blue Book Co., Inc. The specific information required to determine the value for each used vehicle is supplied by the dealer (or by a third party on behalf of the dealer). used Vehicle valuations are approximations and vary by vehicle, region, mileage, condition and vehicle options. Kelley Blue Book assumes no responsibility for errors or omissions.


Terms & Conditions
1	Price includes all costs to be paid by a consumer, except for licensing costs, registration fees, and taxes; also not included are title registration, tag, governmental fees, electronic filing charges (excluding CO), any emissions testing and/or state inspection fees, transfer fee, and any finance charges (if applicable). Price does not include processing, administrative, dealer conveyance fee, closing, dealer and handling, or similar fees of $399 or less, except in the following states where the advertised price is inclusive of this fee: CO, GA, FL, IA, IN, KY, MA, NE, NH, NJ, SC, and TN. In WA state, a documentary service fee in an amount up to $200 may be added to the purchase price or capitalized cost. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other.
2	EPA fuel economy ratings are provided by the vehicle manufacturer and may vary with vehicle use, condition and driving habits.
3	Payment based on amount financed for month term APR chosen when customer estimated payment using the site calculator. These calculators are for educational purposes only. Calculator results do not include tax, title, tags, governmental fees, and emissions testing charges. Calculator results does not include processing, administrative, closing, dealer and handling, or similar fees of $399 or less, except in the following states where the advertised price is inclusive of this fee: CO, FL, GA, IA, IN, KY, MA, NE, NH, NJ, SC, and TN. Terms do not necessarily represent actual available credit terms. We do not guarantee the accuracy of the credit figures, or their applicability to your circumstances. We encourage you to seek advice from qualified financial service professionals regarding all your personal finance needs.


Enterprise Car Sales - We Transfer Cars
The ZIP code you entered indicated that is your nearest location. We'll be happy to transfer any vehicle from another location to .
Local Transfers We offer free transfers of any vehicle within the metro area to , your nearest location. To start the transfer process, just give us a call at and an Enterprise representative will assist you. Certain restrictions apply.
Non-Local Transfers Any vehicle outside the metro area can be transferred to , your nearest location by following this simple transfer process.
Contact , your nearest location at and an Enterprise representative can answer any of your questions about the vehicle and the transfer process. If after speaking with an Enterprise representative you determine that you would like to transfer this vehicle, a non-refundable transfer fee is required to begin the transfer process. Bring your transfer payment to , your nearest location. Once transfer fee is paid, the request to transfer the vehicle will be completed. Please note the time it takes to transfer a non-local vehicle varies by distance.

Financing FAQs

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College Graduate Program

Financing 101

First-Time Car Buyer

Car Payment Calculator

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Terms & Conditions

Terms & Conditions

Terms & Conditions

Enterprise Car Sales - We Transfer Cars

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Terms & Conditions
meticulously cared for Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins, or from other sources, with a possible previous use including rental, lease, transportation network company or other use.).