Financing
Financing that meets you where you are
Good credit, rebuilding credit, or first-time buyer — we work with Credit Acceptance and a network of partner lenders, plus in-house financing options, so more Rochester drivers drive home. Start with a quick pre-qualification and we'll take it from there.
Credit Acceptance
Financing available through Credit Acceptance
We work with Credit Acceptance to offer vehicle financing for buyers across a wide range of credit situations. When you're ready, you can apply directly through Credit Acceptance's official online application — your information goes securely to the lender, never through this website. Prefer to start here? Send a pre-qualification request below or call the lot, and we'll walk you through it.
Financing is available through Credit Acceptance and is subject to credit approval. Credit Acceptance is an independent lender — approval, rates, and terms are determined by the lender, not by Touch of Class Auto Sales LLC.
Get pre-qualified
Tell us a bit about yourself and what you're looking for. There's no cost and no obligation — we'll follow up with your options by phone or email.
No credit hit to pre-qualify
Checking your options starts with a soft inquiry — your score is untouched.
Straight numbers, no games
You'll see the payment, term, and rate before you sign anything.
Local decisions, fast answers
Rochester-based team — most pre-qualification reviews happen the same day.
Prefer to talk first?
Call the lot and we'll walk through your situation before you fill anything out.
585-622-413242 Independence Street, Suite C-3, Rochester, NY 14611
Two ways to finance
Every buyer's situation is different, so we keep both paths open.
Partner lenders
We arrange financing through Credit Acceptance and a network of banks and lenders. Strong credit often means lower rates and more flexible terms here.
In-house financing
We finance buyers directly at the lot — simpler approvals, flexible terms, and one relationship from test drive to final payment.
Bad credit or no credit? You're still welcome here.
Plenty of our Rochester customers come back from credit setbacks — repos, bankruptcy, divorce, or just a thin credit file. None of that disqualifies you from sitting down with us. Our in-house options exist precisely for buyers the big banks turn away, and steady income matters more than a perfect score. Tell us your situation honestly and we'll tell you plainly what we can do.
How it works
- 01
Pre-qualify in minutes
Send the quick form on this page or call us. No cost, no obligation, and no hit to your credit at this stage.
- 02
Talk through your options
We review your situation and match it to Credit Acceptance, partner lenders, or in-house terms, then walk you through real numbers — payment, term, down payment.
- 03
Pick your vehicle
Shop the lot with your budget locked in. Drive what fits, and we'll handle the paperwork.
- 04
Drive home
Sign and drive. Most customers complete everything in a single visit.
Your trade-in lowers your payment
Have a car, truck, or SUV sitting in the driveway? Its trade-in value goes straight toward your down payment — which can shrink what you finance, lower your monthly payment, or sometimes cover it entirely.
Financing questions
What credit score do I need?
There's no hard cutoff. Credit Acceptance and our partner lenders work with a wide range of credit situations, and our in-house financing focuses on steady income. Many buyers land somewhere in between — start the form and we'll tell you where you stand.
What documents do I need?
A valid driver's license, proof of income (recent pay stubs or benefits letter), and proof of insurance. If you're trading in, bring the vehicle's title or payoff information too.
How much down payment do I need?
It depends on the vehicle and the financing path. A trade-in counts toward it. We'll give you exact numbers during your pre-qualification follow-up — never vague estimates.
How long does approval take?
Most pre-qualifications are reviewed the same business day. Full approval at the lot often happens during your visit, so you can test drive and drive home the same day.
Can I apply online?
Yes. We work with Credit Acceptance, and you can apply through their official online application — linked from our financing page. Your information goes directly to the lender, never stored on our website. All financing is subject to credit approval.