Can I apply for a car loan with bad credit

Zoom Auto Sales offers financing options for customers with all credit types. Our team works with multiple lenders to help find a loan that suites your needs.

Is it safe to apply for financing online

Yes, your application is secure. We use encryption and data protection measures to ensure that your personal information remains private and safe.

What if I have question about the online application

If you need assistance with your application, feel free to contact us directly, and our team will be happy to guide you through the process.

Home » Apply Online

Apply for a Car Loan in Midvale, UT

Fast Approval · Competitive Rates · All Credit Welcome

Apply for an auto loan online in minutes. We work with credit unions and bank partners (including the CUDL credit union network) to find competitive rates for every credit situation.

Buyer
Co-Buyer

All fields marked with an asterisk (*) are required

Personal Information

First Name *

Please enter your First Name

Last Name *

Please enter your Last Name

Email *

Please enter your Email

Cell Phone *

Please enter your Cell Phone

Home Phone (Optional)

Date of Birth *

Please enter your Date of Birth

SSN *

Please enter your SSN

Driver's License Number

Driver's License State

Driver's License Issue Date

Driver's License Expiry Date

Residential Information

Street Address *

Please enter your Street Address

City *

Please enter your City

State *

Please select your State

Zip Code *

Please enter your Zip Code

Housing Type *

Please select your Housing Type

Monthly Rent/Mortgage Amount *

Please enter your Rent/Mortgage Amount

Years at Address *

Please select your Years at Address

Please select your Months at Address

Add Previous Address

Previous Address

Street Address

City

State

Zip Code

Housing Type

Monthly Rent/Mortgage Amount

Years at Address

Employment Information

Employer Name *

Please enter your Employer Name

Title/Position *

Please enter your Title/Position

Employer Phone Number *

Please enter your Employer Phone Number

Monthly Gross Income *

Please enter your Monthly Gross Income

Years at Job *

Please select your Years at Job

Please select your Months at Job

Add Previous Employment

Previous Employment

Employer Name

Title/Position

Employer Phone Number

Monthly Gross Income

Years at Job

Interested Vehicle

Vehicle Keyword

Sort

Stock Number

Year

Make

Model

Vehicle Price

Down Payment

Exterior Color

Interior Color

Add Trade-in?

Trade-in

VIN *

Please enter the VIN

Mileage *

Please enter the Mileage

Year *

Please enter the Year

Make *

Please enter the Make

Model *

Please enter the Model

Lien Holder *

Please enter the Lien Holder

Payoff Amount *

Please enter the Payoff Amount

Has Co-Buyer?

Relationship to Buyer *:

Please make a selection

Personal Information

First Name *

Please enter your First Name

Last Name *

Please enter your Last Name

Email *

Please enter your Email

Cell Phone *

Please enter your Cell Phone

Home Phone (Optional)

Date of Birth *

Please enter your Date of Birth

SSN *

Please enter your SSN

Driver's License Number

Driver's License State

Driver's License Issue Date

Driver's License Expiry Date

Residential Information

Street Address *

Please enter your Street Address

City *

Please enter your City

State *

Please select your State

Zip Code *

Please enter your Zip Code

Housing Type *

Please select your Housing Type

Monthly Rent/Mortgage Amount *

Please enter your Rent/Mortgage Amount

Years at Address *

Please select your Years at Address

Please select your Months at Address

Add Previous Address

Previous Address

Street Address

City

State

Zip Code

Housing Type

Monthly Rent/Mortgage Amount

Years at Address

Employment Information

Employer Name *

Please enter your Employer Name

Title/Position *

Please enter your Title/Position

Employer Phone Number *

Please enter your Employer Phone Number

Monthly Gross Income *

Please enter your Monthly Gross Income

Years at Job *

Please select your Years Employed

Please select your Months Employed

Add Previous Employment

Previous Employment

Employer Name

Title/Position

Employer Phone Number

Monthly Gross Income

Years at Job

I want to receive marketing text messages on the phone number provided.

I want to receive non marketing messages, including updates and news, on the phone number provided.

By checking the boxes above, I consent to receive marketing and/or non-marketing text messages from Zoom Auto Sales at the phone number provided. Message frequency may vary. Message and data rates may apply.
Reply HELP for help or STOP to opt-out.

I, the undersigned, (a) for the purpose of securing credit, certify that the below representations to be correct; (b) authorize financial institutions, as they consider necessary and appropriate, to obtain consumer credit reports on me periodically and to gather employment history, and (c) understand that we, or any financial institution to whom this application is submitted, will retain this application whether or not it is approved, and that it is the applicant's responsibility to notify the creditor of any change of name, address, or employment. We and any financial institution to whom this application is submitted, may share certain non-public personal information about you with your authorization or as provided by law.

By submitting this request, I accept the Privacy Policy

Auto Financing at Zoom Auto Sales

At Zoom Auto Sales in Midvale, UT, we make auto financing simple and stress-free. We work with a network of credit unions and bank partners, including the CUDL credit union network, to find competitive rates for every situation. Whether you have strong credit, are rebuilding, or are buying for the first time, our finance team is here to help. We proudly serve families, first-time buyers, and Spanish-speaking customers throughout Midvale and the surrounding Salt Lake Valley.

Why Choose Zoom Auto Sales Financing?

Every buyer’s situation is unique. That’s why we partner with credit unions, banks, and specialty lenders to provide flexible financing tailored to you. From competitive credit union rates for prime buyers to programs for first-time buyers and military service members, our goal is to get you approved quickly at a payment that fits your budget.

What We Offer

Competitive credit union rates through the CUDL network
Financing for all credit situations: prime, near-prime, and rebuilding credit
No down payment and low down payment options available
Trade-in value applied directly to your loan or down payment
Special programs for military service members
Bilingual support in Spanish and English
Fast online approval, often the same day

Explore Our Services

At Zoom Auto Sales, we go beyond just financing. We’re your one-stop shop for everything you need to drive home in your next car.

Used Car Inventory
Browse a wide range of affordable, quality pre-owned vehicles including fuel-efficient sedans, family SUVs, and low-mileage trucks.
Get Pre-Qualified
Want to see your financing options without affecting your credit score? Use our soft-pull pre-qualification to shop with confidence before applying.
Trade-In / Sell Us Your Car
Get a real offer on your current vehicle. Apply the value toward your next car, or sell to us outright with no obligation to buy.
Schedule a Test Drive
Found something you love in our inventory? Book a test drive online at a time that works for you.

Why Midvale Drivers Choose Us

Customers across Midvale, Salt Lake County, and beyond trust Zoom Auto Sales because we’re built around what’s good for the buyer:

No-pressure, honest customer service
Competitive rates through our credit union network
Fast approval process, often same-day
Quality, low-mileage used cars at market-fair prices
Bilingual support. ¡Hablamos español!
200+ Google reviews averaging 4.7 stars

Ready to Get Started?

Applying for an auto loan at Zoom Auto Sales in Midvale, UT is fast, easy, and stress-free. Fill out the form above to get started, or call or text us at (801) 290-8700 if you have questions. We’re located at 7677 S State St in Midvale and happy to walk you through your options in person.

Used Car Loan FAQs

How do I apply for a car loan at Zoom Auto Sales?

You can apply for an auto loan online at Zoom Auto Sales by filling out our easy and secure finance form. Just answer a few questions and we’ll take care of the rest. Most applications get a response the same business day.

Can I apply with any credit type?

Yes. We work with a network of credit union and bank partners, including the CUDL credit union network, to find competitive rates for buyers across all credit situations: prime, near-prime, and rebuilding credit.

What documents do I need to apply for a car loan online?

To apply for an auto loan, you’ll typically need a driver’s license (or government photo ID, ITIN), proof of income (such as a recent pay stub), and proof of residence (like a utility bill). We’ll let you know if anything else is needed for your specific situation.

Can first-time car buyers apply for financing?

Yes. If you’re a first-time buyer, you can apply for financing at Zoom Auto Sales with ease. We have lender partners with programs designed specifically for first-time buyers and people building credit history.

Do I need a certain credit score to apply?

No, there’s no specific minimum credit score required to apply. We work with people across all credit levels, from prime to rebuilding credit, and our finance team will help you understand your options.

Can I trade in my current vehicle when applying for a loan?

Yes. You can trade in your current vehicle and apply its value toward your loan or down payment. Visit our Trade-In page to get a fast, free appraisal before you apply.

Where does Zoom Auto Sales offer online car loan approval?

We accept online auto loan applications from anywhere. We’re located in Midvale, UT, and serve customers throughout Salt Lake County, Utah County, Davis County, Weber County, and beyond. We also work with out-of-state buyers who arrange delivery or fly in to pick up their vehicle.