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Apply online for car financing in New York. Bad credit, no credit, and first-time buyers are welcome. Get a decision in minutes with our 98% approval rate — personal and business applications available.
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WHO CAN APPLY?
Imperial Motors & Co offers auto financing to virtually everyone in the New York metro area. We partner with lenders who specialize in non-prime and subprime auto loans so that credit challenges never stand between you and your next vehicle.
Good credit buyers seeking competitive rates
Bad credit or low credit score applicants
No credit history or first-time buyers
Recent graduates entering the workforce
Customers with prior bankruptcy or repossession
Self-employed and gig economy workers
Business owners needing commercial vehicle financing
New U.S. residents building credit history
What Documents Do I Need?
The application itself only takes about two minutes. When you come in to finalize your financing and pick up your vehicle, bring the following documents to speed up the process:
- Personal Applicants
- Valid government-issued photo ID (driver's license or passport)
- Proof of income — recent pay stubs, bank statements, or tax returns (last 30–60 days)
- Proof of residence — utility bill, lease agreement, or bank statement
- Active vehicle insurance or ability to obtain same-day
- References (name and phone number of 2–3 personal contacts)
- Business Applicants
- All personal documents listed above
- Employer Identification Number (EIN)
- Business license or articles of incorporation
- 3–6 months of business bank statements
- Proof of business address
How Approval Works
Our streamlined process gets you from application to driving in as little as a few hours. Here is what to expect:
Apply Online
Complete the secure credit application above in about 2 minutes. No hard credit pull at this stage.
Instant Decision
Our team reviews your application and contacts you within minutes with pre-approval details and available vehicles.
Choose Your Vehicle
Work with our team to source and secure the vehicle that best fits your needs, preferences, and budget.
Finalize Your Vehicle
Once your application is approved, our team will guide you through the final steps to secure your vehicle and complete your leasing or financing process.
Serving New York
Imperial Motors & Co is located at 189-11 Union Turnpike, Suite 3, Fresh Meadows, NY 11366 and proudly serves drivers across the entire New York metro area. Whether you are applying for a lease or a loan, we arrange financing for customers in:
- Long Island
- The Bronx
- Westchester County
- Queens
- Manhattan
- Nassau County
- Brooklyn
- Suffolk County
- Staten Island
Frequently Asked Questions
Everything you need to know about applying for auto financing at Imperial Motors & Co in New York.
Can I apply with bad credit or no credit history?
Does submitting an application affect my credit score?
What documents do I need to apply?
Do you offer both leasing and financing?
Can you help me find a specific make or model?
Can I apply for a business vehicle?
Do you accept trade-ins?
What areas do you serve?
Have questions before you apply? Contact our team or call us at 516-366-7797. We are available Monday–Friday 9AM–7PM and Sunday 9AM–3PM.