Personalized Shop-by-Payment, powered by VeriQual™

Buy Your Next Vehicle with Confidence

When purchasing a vehicle, you want a process that’s simple, secure, and transparent. That’s where VeriQual™ comes in—a patent-pending solution designed to modernize the car-buying experience by delivering fast, fraud-resistant credit prequalification and identity verification in one seamless step.

With Personalized Shop-by-Payment, you can explore vehicles based on what truly matters: your monthly payment.

Find the Right Vehicle Within Your Budget

Our Personalized Shop-by-Payment experience helps you discover vehicles that match your monthly budget—shifting the focus from sticker price to real affordability.

Why Shop-by-Payment?

? Fast and easy start using just your phone number
? No impact on your credit
? Secure and private
? No obligation to buy

You Set the Payment

Personalized Shop-by-Payment puts you in control. Simply tell us:

  • Your target monthly payment

  • The type of vehicle you’re looking for

  • Your upfront or down-payment budget

Within seconds, we search our entire inventory and present the best options that match your budget.

Browse your personalized results, fine-tune your selections, and quickly zero in on the right vehicle—with clear pricing and payment visibility every step of the way.

Real Payments. Real Results.

Personalized Shop-by-Payment automatically factors in everything that impacts your monthly payment, including:

  • Discounted pricing

  • Rebates and incentives

  • Loan and lease specials

  • Your actual credit eligibility

  • Taxes and fees

You’ll see customized financing options for each vehicle—eliminating guesswork and delivering transparent, realistic payments. Say goodbye to surprises and hello to a smarter, more personalized car-buying experience.

Identity Protection You Can Trust

Our patent-pending VeriQual™ process helps protect you from identity fraud while keeping your information secure.

  • No Social Security number required

  • No date of birth required

  • No impact on your credit

  • No obligation to buy

You receive personalized, pre-qualified payment—safely and privately.

You’ll Be Amazed at What You Can Afford

One of the biggest advantages of Personalized Shop-by-Payment is seeing how many vehicles and payment options fit within your budget. Many shoppers are surprised by what’s actually within reach.

Why Choose VeriQual™?

Unmatched Security
Protect your personal information with VeriQual™’s advanced identity verification. Our technology helps safeguard against fraud and identity theft, so you can shop with confidence.

Fast, Hassle-Free Prequalification
Get prequalified in seconds—without lengthy forms or risking your credit score. VeriQual™ provides clarity upfront so you can make informed financial decisions.

One-Step Convenience
Start with just your phone number. No complex paperwork. No unnecessary steps. VeriQual™ streamlines your car-buying journey from the very beginning.

Elevate Your Car-Buying Experience

With VeriQual™, you focus on choosing the right vehicle—while we handle identity protection and prequalification behind the scenes. Experience a smarter, safer way to shop for your next car.

Experience the future of car buying with VeriQual™ today.

Frequently Asked Questions

Does Personalized Shop-by-Payment impact my credit?
No. There is no impact on your credit and no obligation to buy.

How does Personalized Shop-by-Payment protect my identity?
It uses our secure, patent-pending VeriQual™ process to verify identity without collecting sensitive personal information—such as your Social Security number.

How accurate are the monthly payments shown?
Monthly payments are personalized estimates based on your credit profile and current incentives. Final payments may vary slightly based on vehicle selection, lender terms, and applicable taxes or fees, but estimates are designed to be as close to real payments as possible.

Do I need to commit to a loan or lease to use Shop-by-Payment?
No. There is no requirement to finance, lease, or purchase a vehicle.

Can I change my target payment later?
Yes. You can adjust your payment, down payment, or vehicle preferences at any time.

What credit information is used if I don’t provide my Social Security number?
VeriQual™ uses secure identity verification and alternative data sources to generate personalized payment estimates—without requiring your Social Security number or date of birth.

Will using Shop-by-Payment result in a hard credit inquiry?
No. Only a soft inquiry is performed, which does not affect your credit score.

Does Personalized Shop-by-Payment include taxes and fees?
Yes. Estimates reflect applicable taxes and fees based on your location for a more realistic view of your payment.

Can I shop for both new and used vehicles?
Yes. We search the entire inventory, including new, used, and certified pre-owned vehicles.

What happens after I find a vehicle I like?
You can schedule a test drive and review final purchase or lease options directly with the dealer.

Is my personal information shared or sold?
No. Your information is kept secure, private, and is never sold to third parties.

What if my credit situation changes?
You can rerun Shop-by-Payment at any time to reflect changes in your credit or financial goals.