Can you Finance a Rebuilt Car?

By ReVroom Editors  •  March 2025

Most banks and credit unions offer financing for rebuilt title cars, but terms may vary. Financing a rebuilt car is similar to financing an older used car as it often comes with stricter loan-to-value (LTV) ratios, varied interest rates, or shorter loan durations due to the vehicle's reduced market value. Some lenders specialize in financing rebuilt cars, making them a great option to consider.

Tips for Financing a Rebuilt Title Car

1. Shop Around: Compare loan terms from multiple lenders to find the best interest rate and loan conditions.
2. Provide Documentation: Be ready to share repair records, inspection reports, the title, and bill of sale to assure lenders of the car's quality and ownership status.
3. Consider Your Credit Score: A strong credit score can help secure better terms even for a rebuilt vehicle. 
4. Pre-Approval: Seek pre-approval to understand your budget before shopping for a car.

Whenever you’re ready to buy a new car, ReVroom will be here to help you. Our detailed listings make it easy to provide lenders with the information they need to give you the best rates possible. Click here to see what cars are available near you!