Flexible, Personalized Financing with RubyCar


RubyCar makes financing simple and stress-free. Backed by the might of Avis, we have a scale of business and the established relationships with the nation's best automotive banks and lenders so our rates are highly competitive.

Preview Payments with
No Impact to Your Credit Score

To shop with personalized payments, simply enter 5 basic pieces of information and verify your identity through a secure multi-factor authentication process.

It's quick, secure and has no impact on your credit score.

We Make It Easy

RubyCar has engineered a stress-free financing experience. Our process is completely transparent and allows you to shop all of our vehicles and view payments that are personalized to you, based on your specific information.

Competitive
Rates

Backed by the might of Avis, we have a scale of business and the established relationships with the nation's best automotive banks and lenders.

No Hassle
Credit Checks

Preview your personalized payments (including taxes and fees) on every vehicle with zero impact on your credit score and 100% online.

Flexible
Payments

We will work with you to tailor flexible payment options that suit your needs and make your RubyCar ownership experience as seamless as possible.

Frequently Asked Questions

For in-depth answers to your questions, explore our comprehensive FAQ page for detailed insights into RubyCar's online car buying and ownership.

When you first visit Ruby-Car.com, the posted rates and monthly payments for each vehicle are averages, not based on your individual credit score and down payment.

These estimates are designed to provide you an estimate of your monthly payment. Your actual monthly payments can vary based on your personal credit.

Personalized payments provide estimates of your monthly payments, enabling you to see financing details for most vehicles, including:

  • Down payment
  • Rates
  • Terms
  • Local taxes and fees

Yes, Ruby-Car.com allows you to apply for and select the right auto loan for you.

We’ve worked with countless customers with all kinds of credit to help them discover their financing options.

In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Most loan terms fall between 48-72 months, with longer financing terms resulting in lower monthly payments. Our RubyCar team works with you to build a loan solution that best works with your budget.

We're here to help.

Like our vehicles, every buyer is different. Want to learn how to use our online search tools, get a KBB appraisal, execute a trade-in, find additional product offerings, secure financial lending or get answers to other questions?