How car financing works at Korea Auto Group

Explore available financing routes, understand what to prepare, and get help from our Joliet team.

Capital One Auto Navigator

See if you pre-qualify with no credit-score impact

Use Capital One’s official embedded experience to view personalized financing information. Capital One determines eligibility and terms.

Get Pre-qualified with Capital One

Start your prequalification profile

Share your contact details, budget, and income range. This first request does not ask for your SSN, license number, or birth date.

Get prequalified

Options for many credit situations

Our team works with multiple lenders and can help qualified customers explore available terms.

Start secure application

Use your vehicle toward the deal

Tell us about your current vehicle and we will help you understand the next steps for a trade.

Start a trade-in request

Four steps from shopping to driving

Our staff stays available throughout the process to explain documents and help you compare the options presented by lenders.

Check your options

Send a prequalification request: no SSN and no credit check. Our team follows up the way you choose.

Get prequalified

Pick your car

Browse current inventory and confirm pricing, mileage, equipment, and availability.

Browse inventory

Apply securely

When you are ready, complete the secure credit application. Participating lenders decide approval and terms.

Start secure application

Visit to sign and drive

Review the vehicle, pricing, lender terms, required down payment, and paperwork before signing.

What to bring

Bad credit, no credit, first-time buyers

Good credit, rebuilding credit, limited history, or buying for the first time—our team can help you prepare and explore options from participating lenders.

Financing is subject to lender review. Korea Auto Group does not promise an approval, rate, payment, or minimum down payment.Get prequalified

Rebuilding credit

Past credit challenges do not prevent you from asking what options may be available today.

First-time buyers

Understand common documents, down-payment planning, and the steps from application to delivery.

What you may need

Requirements vary by lender and applicant. Our team will confirm exactly what applies to your situation.

Valid driver’s license or photo ID Current address information Income or employment information Insurance details before delivery Trade-in title or payoff information, if applicable

Estimate a monthly payment

Try different prices, terms, rates, and down payments. Your actual lender offer may be different.

Estimated monthly payment$384

The payment uses the tax rate, title transfer, and registration estimates entered above. Suggested APRs use Experian Q1 2026 used-car averages; 850 uses Korea Auto Group’s 3.9% qualified credit-union planning rate. Final terms vary. This is not a credit offer.

Get prequalified

Talk to our financing team.

Call (815) 763-8208 or send us a message.

Call the dealership Send a request