Financing Options
Flexible financing solutions tailored to your needs. We work with all credit situations to get you behind the wheel.
Lease Programs
Our most popular option with competitive rates and flexible terms.
- 24-48 month terms
- 12,000-15,000 miles/year
- Competitive APR rates
- Gap insurance included
Get into your dream car with no money down at signing.
- $0 down payment
- Higher monthly payments
- Quick approval process
- All credit levels welcome
Special programs designed for business and fleet customers.
- Tax advantages
- Multiple vehicle discounts
- Customized terms
- Dedicated account manager
Build equity with every payment and own your vehicle at the end.
- Purchase option at end
- Build equity monthly
- Lower residual buyout
- Flexible end-of-lease
Why Finance With XO Auto?
We make the financing process simple, transparent, and tailored to your unique situation.
Comprehensive Coverage
All leases include gap insurance and maintenance packages for complete peace of mind.
Quick Approval
Most applications are approved within 24 hours. Get driving faster with our streamlined process.
Credit Flexibility
We work with all credit situations. Good, fair, or rebuilding - we have options for everyone.
Transparent Pricing
No hidden fees or surprises. What you see is what you pay, guaranteed.
How It Works
Getting approved is quick and easy. Follow these simple steps to get started.
Choose Your Vehicle
Browse our inventory and select the perfect vehicle for your needs.
Submit Application
Complete our simple online application in minutes.
Get Approved
Receive your personalized lease terms within 24 hours.
Sign & Drive
Complete your paperwork and drive away in your new vehicle.
Credit Score Guidelines
Don't let your credit score hold you back. We have financing options for every situation.
Excellent (720+)
Best rates available
Good (680-719)
Competitive rates
Fair (620-679)
Multiple options available
Rebuilding (Below 620)
Special programs available
Ready to Get Started?
Apply now and get pre-approved in minutes. No impact on your credit score.
Have Questions?
Check out our frequently asked questions or contact our financing team.