loan calculator credit application
Price of Car $
Down Payment - $
Amount of Loan $
Interest Rate (APR)   %
Loan Term   years
Approx. Monthly Payment $
* This calculator attempts to produce a rough estimate of your monthly payment. This calculator does not take into affect any fees or taxes. We do not warrant or guarantee any rate, term or payment this calculator may generate. Use of this calculator is strictly for informational purposes only.
Fill out a credit application before you come to our lot so we can get you pre-approved. By filling out the appliction online you can save valuable time and money.
We will not share any of your information with any other company. We will use your information for the sole purpose of establishing a loan for your vehicle. Click the "Get Started" button below to begin.


Price excludes government fees and taxes, any finance charges, any dealer document preparation charge, vehicle preparation/accessories charge and any emission testing charge. Prices advertised are based upon a payment of cash, cashiers check, or debit ATM. Credit cards are accepted with a transaction fee. Financing terms carry current KBB Retail Blue Book Value for vehicle base price. Prices subject to change without notice. Not responsible for any typographical errors.Vehicles may be subject to prior sale. Included warranties may be offered by Ray's Auto Sales or by a third party company. Warranties may be limited and subject to a deductible. 

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