Shop-by-Payment
Personalized Shop-by-Payment
Buy Your Next Vehicle with Confidence
When purchasing a vehicle, you want a process that’s simple, secure, and transparent. That’s where VeriQual™ comes in—a patent-pending solution designed to modernize the car-buying experience by delivering fast, fraud-resistant credit prequalification and identity verification in one seamless step.
With Personalized Shop-by-Payment, you can explore vehicles based on what truly matters: your monthly payment.
Find the Right Vehicle Within Your Budget
Our Personalized Shop-by-Payment experience helps you discover vehicles that match your monthly budget—shifting the focus from sticker price to real affordability.
Get started using just your phone number.
A soft inquiry does not affect your credit score.
Designed to help protect your personal information.
Explore your options without committing to buy.
You Set the Payment
Personalized Shop-by-Payment puts you in control. Simply tell us:
Within seconds, we search our entire inventory and present options that match your budget. Browse your personalized results, fine-tune your selections, and quickly zero in on the right vehicle—with clear pricing and payment visibility every step of the way.
Real Payments. Real Results.
Personalized Shop-by-Payment can factor in details that may affect your monthly payment, including:
You’ll see customized financing options for each vehicle, helping reduce guesswork and providing a more personalized view of potential payments. Final terms may vary based on vehicle selection, lender terms, taxes, fees, and other applicable factors.
Identity Protection You Can Trust
Our patent-pending VeriQual™ process is designed to help protect your identity while keeping your information secure.
Receive personalized, pre-qualified payment information—safely and privately.
You’ll Be Amazed at What You Can Afford
One of the biggest advantages of Personalized Shop-by-Payment is seeing how many vehicles and payment options may fit within your budget. Many shoppers are surprised by what they can explore when they shop based on their monthly payment.
Why Choose VeriQual™?
Unmatched Security
Protect your personal information with VeriQual™ identity verification technology, designed to help safeguard against fraud and identity misuse.
Fast, Hassle-Free Prequalification
Get prequalified without lengthy forms. VeriQual™ is designed to provide information upfront while using a soft inquiry that does not affect your credit score.
One-Step Convenience
Start with your phone number and move through the prequalification experience without unnecessary steps.
Elevate Your Car-Buying Experience
With VeriQual™, you can focus on choosing the right vehicle while the prequalification and identity verification process works behind the scenes.
Experience the future of car buying with VeriQual™ today.
Set your target payment and discover vehicles that may fit your budget.
Frequently Asked Questions
Does Personalized Shop-by-Payment impact my credit?
No. The prequalification process uses a soft inquiry, which does not affect your credit score. There is no obligation to buy.
How does Personalized Shop-by-Payment protect my identity?
It uses the VeriQual™ identity-verification process to help verify identity without requiring sensitive information such as a Social Security number.
How accurate are the monthly payments shown?
Monthly payments are personalized estimates based on available credit information, vehicle selection, current incentives, lender terms, and applicable taxes or fees. Final payments may vary.
Do I need to commit to a loan or lease?
No. There is no requirement to finance, lease, or purchase a vehicle to explore Personalized Shop-by-Payment.
Can I change my target payment later?
Yes. You can adjust your payment, down payment, or vehicle preferences at any time.
What credit information is used if I don’t provide my Social Security number?
VeriQual™ uses secure identity verification and available alternative data sources to generate personalized payment estimates without requiring a Social Security number or date of birth.
Will using Shop-by-Payment result in a hard credit inquiry?
No. The prequalification process uses a soft inquiry, which does not affect your credit score.
Does Personalized Shop-by-Payment include taxes and fees?
Estimates may include applicable taxes and fees based on available location and transaction information. Actual amounts can vary.
Can I shop for both new and used vehicles?
Yes. Personalized Shop-by-Payment can search available inventory, including new, used, and certified pre-owned vehicles.
What happens after I find a vehicle I like?
You can schedule a test drive and review final purchase or lease options directly with the dealership.
Is my personal information shared or sold?
Information is handled according to the applicable privacy practices and terms of the VeriQual™ service.
What if my credit situation changes?
You can rerun Shop-by-Payment to reflect changes in your available credit information or financial goals.