Financing for Privately Listed Vehicles

When a buyer chooses to finance their purchase of a private vehicle through CarGurus, our partner AUTOPAY handles the transaction and credit application. Sellers will receive the full amount in the form of a check from AUTOPAY. 

If the vehicle you are interested in offers this, you can start the pre-qualification process by clicking on the box on the listing page: 

Please note that you will not be able to use CarGurus Pay if you are proceeding with external financing. This is due to most lenders having their own rules and processes that conflict with our services and restrict them from working with 3rd parties such as us and AUTOPAY.

After you get started, you will be able to access your pre-qualifications, private sale loans and private sale pre-qualifications from the Financing tab in the main menu.

You can still begin the checkout process if you have not been pre-qualified. If you and the seller agree on a price, they will send you an invitation to start the transaction. On this invitation, you will be able to note that you require financing. A representative from AUTOPAY will be able to walk you through the rest when they reach out.  

Please note that in order to finance a privately sold vehicle, it must be $7,500 or greater, 10 years old or newer, have 150,000 miles or less, and no title issues.

If you have any questions about these offerings or want to learn more about AUTOPAY, you can click here or call 844-292-7361.


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