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Auto Financing is our Specialty

Instant Approval. Instant Pricing.

We provide financing for almost all types of credit, even if you are just starting out and don’t have any credit established yet.

Frequently Asked Questions

Auction Cars

Instamotor brings you the opportunity to purchase vehicles from dealer auctions.

Instamotor has all auction vehicles inspected by ASE certified mechanics and provides a limited 3 month/3,000 warranty. Extended mechanical warranty is available through instamotor and can be included in your monthly payment. Click here for more info on purchasing the extended warranty.

COVID-19

Your new vehicle is delivered to you after it has been detailed and sanitized. We only use professional, insured commercial carriers to that have handled thousands of deliveries.

Instamotor will verify that there are no issues registering your new vehicle

Delivery times may be affected by scheduling logistics. We will let you know when you make your deposit the estimated time of delivery.

Instamotor 100% online buying experience is the best was to be safe buying your next car. Our employees are working remotely whenever possible.

Peace of Mind

You have 7 days or up to 250 miles to get to know your new car. Much better than a stressful drive around the block at a dealer, right?

Instamotor provides a 3 month/3,000 miles limited warranty. Additional coverage is available through instamotor and can be included in your monthly payment

The 7-day return policy begins the day your vehicle is delivered to you.

Instamotor includes comprehensive roadside assistance through our partner AUL when you purchase an extended service contract to protect your investment. Learn more about roadside assistance program here.

All vehicles purchased through auction will go through an inspection.

GAP protection covers the gap between what your insurance provider will pay in the event of an accident that results in a total loss or if your vehicle is stolen, and what your car’s market value is at the time. It is common for your auto loan to initially exceed car’s market value with the addition of sales tax and license fees.

So, for example, if your vehicle is stolen or involved in an accident that “totals” the vehicle, meaning the repair cost is more than the vehicle is worth, and the market value for your vehicle before the accident was $10,000, and your loan balance at the time is $12,000, you would need to come out-of-pocket for $2,000 to close the loan on good terms. After establishing or re-establishing your credit by making your car payments on time, you don't want to risk a bad outcome if your insurance company doesn't pay off the full balance of your auto loan. GAP protection will cover the $2,000 to pay off the loan and protect your credit you worked hard to achieve.

Buying a used vehicle is a great option because it’s more affordable than a new vehicle. Vehicles are lasting longer than ever. However, vehicles are machines and sometimes parts of the machine can breakdown, and not always when you have extra money to fix the problem. That’s where mechanical breakdown protection comes in and pays for all or most of the repair, depending on the coverage you select. Because extending the manufacturer’s warranty that covers some or all of the cost in the case that something should break down reduces your risk, lenders will finance 100% of the product. It’s a great way to make sure you're covered and you can finance it in the loan.

There are two uses of insurance, one is to cover the vehicle, or “physical damage,” and the other is “liability” which covers bodily injury or property damage resulting from an accident. California requires minimum bodily insurance of $15,000 per person, $30,000 per accident, and $5,000 in property damage. Lenders are primarily concerned with physical damage insurance to make sure the vehicle is protected.

Financing

No. The initial step is prequalification, which does not impact your score or add a credit inquiry to your file

Instamotor specializes in providing credit to buyers that don't have great or any credit

No. Instamotor credit approval is only available for vehicles on instamotor marketplace

For consumers without great credit or without a credit history, lenders will be placing a lot of their decision and importance on your job stability and income. As a result, providing proof of income is important. Most often a copy of your most recent pay stub will be required, or a new option is to provide the lender access to your checking account which is quicker and less of a hassle.

Having insurance is a requirement and the lender as well as the dealer will want to verify that you have insurance in-place before delivering the vehicle. Some insurance companies have an automated verification system that lenders can call, but you should have a copy of your insurance card in any case. If you have moved recently, or other information obtained by the lender has a different address than you listed on your application, the lender will require “proof of residence,” which is usually satisfied with a copy of a recent utility bill with your name and address.

Buying a Car

Yes! We are auto finance experts and specialize in providing credit to buyers that don't have great or any credit

A car loan or lease is a great way to build your credit. If you haven't established credit, instamotor looks at your employment stability and income. An auto loan or lease is a great way to build your credit score and its important to keep your payment and loan amount affordable. Additionally, we will likely require a higher down payment. Apply with instamotor for a loan decision in less than a minute.

It locks in and secures your purchase.

We accept all major credit cards, debit cards, or an ACH cash transfer from your checking account

Instamotor does not accept trade-ins. If your vehicle is eligible and you don't need to sell tomorrow, instamotor seller marketplace pricing will be higher than trade-in value. Listing your car is free and instamotor advertises it, and manages all of the buyer communication. If you do want to sell it tomorrow and its eligible, we can give you a sell-now price.

With instamotor, you can get prequalified in seconds without impacting your credit score. We also work with most banks and credit unions.

Not at this time. We are working on a lease product and plan to introduce in 2021

It depends on the transportation mileage. We only charge you our cost of shipping.

No. When you make the deposit, we are purchasing and making sure the car is up to instamotor standards. If you elect not to purchase the vehicle, we retain the deposit as a restocking fee.

Not for vehicles merchandised on our website. If you want us to find something special for you, we may increase the size of the deposit.

Yes. You can pick your vehicle up from the independent service shop where the inspection and reconditioning was completed.

No. We do retain the amount of your deposit as a restocking fee.

Instamotor schedules your deliver with professional and insured transportation companies.

Selling a Car

Instamotor delivers a great buyer experience which improves your ability to sell your car for more than a dealer will offer. We make the transaction easy with buyer financing for the vehicle, sales tax, license fees, and optional mechanical extended warranty. Instamotor manages all the DMV paperwork and payments. Learn more here.

Buyer communication is supported by instamotor. You only hear from qualified buyers that have agreed to the listed price.

In order list your car it must meet the following requirements:

No more than 100,000 miles
2014 or newer model year
Kelly Blue Book private party value of at least $7,000
Vehicle sales price must be higher than any outstanding loan on the car

Yes, or you can drive it to the inspection service location.

Payment is within 3-5 business days of the inspection.

We can send you a copy of the changed registration.

Yes.

Instamotor does not accept trade-ins.

Instamotor

Our offices are located in northern and southern California.

instamotor offers a wide selection of pre owned vehicles with a large variety of makes and models.

All auction vehicles are inspected by ASE certified mechanics and included a limited 3 month/3,000 warranty. Extended mechanical warranty is available through instamotor and can be included in your monthly payment.

All private party listings must meet the instamotor standards to be listed. Get the list here.

instamotor's buying process is unique bringing you vehicles from dealer auctions, previous rental cars, and other dealers from around the country. Before we ship the car to you, it undergoes our 100 point inspection, and is reconditioned if needed. We select less than 10% of the available vehicles for our marketplace and most have pictures indicating condition.

instamotor delivers a wide inventory selection by bringing you vehicles from over a 100 different sellers, most of which are commercial vehicle auctions. Vehicles are also available from rental car companies, and other dealers nationwide. We select late-model cars with favorable mileage that are budget friendly.

Titles and Registration

You will receive your registration or temporary registration when your vehicle is delivered.

Instamotor will register your vehicle for you.

Give us a call or send an email to info@instamotor.com

Returns

You have 7 days or up to 250 miles to get to know your new car. Much better than a stressful drive around the block at a dealer, right?

Instamotor covers the cost of picking up your vehicle.

If you have met the terms of the return, please send an email as indicated in your Document Package, or call us at 888-909-3608

Yes.

Referral Program

We are working on a referral program and welcome your ideas at info@instamotor.com. The best reward for both of us is improving your credit score.

Trade-Ins

Instamotor does not accept trade-ins. If your vehicle is eligible and you don't need to sell tomorrow, instamotor seller marketplace pricing will be higher than trade-in value. Listing your car is free and instamotor advertises it, and manages all of the buyer communication. If you do want to sell it tomorrow and its eligible, we can give you a sell-now price.