Buy Your Next Vehicle with Confidence

Q: Does Personalized Shop-by-Payment impact my credit?

No. There is no impact on your credit and no obligation to buy.

Q: 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.

Q: Can I change my target payment later?

Yes. You can adjust your payment, down payment, or vehicle preferences at any time.

Q: 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.

Q: 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.

Q: Can I shop for both new and used vehicles?

Yes. We search the entire inventory, including new, used, and certified pre-owned vehicles.

Q: 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.

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 a Vehicle That Fits Your Budget

Start with the monthly payment you’re comfortable with and explore personalized vehicle options in seconds.

QUICK & EASY

Start with just your phone number.

NO CREDIT IMPACT

Checking your options won’t affect your credit score.

SECURE & PRIVATE

Your information stays protected.

NO OBLIGATION

Browse your options with no commitment to buy.

Shopping by Payment Is Easy

Set Your Budget

Tell us your preferred monthly payment and down payment.

Choose What You Like

Let us know what type of vehicle you’re looking for.

See Your Options

Explore vehicles and personalized payment options that match your preferences.

Shop Your Way

Start with your budget.
Discover vehicles that fit.

See More Than Just the Price

Your personalized payment options consider important factors such as:

Vehicle discounts
Available rebates and incentives
Loan and lease offers
Credit eligibility
Applicable taxes and fees

That means you get a clearer picture of what your monthly payment could look like before taking the next step.

Shop With Confidence

VeriQual™ helps securely verify your identity and provide personalized payment options without requiring unnecessary sensitive information.

No SSN Required

No Date Of Birth Required

No Impact On Your Credit

See What’s Within Reach

Your budget may give you more options than you think. Explore personalized payment options across available:

Why VeriQual™?

Secure

Designed to help protect your personal information.

Fast

See personalized options in seconds.

Simple

Start with just your phone number.

READY TO GET STARTED?

Find vehicle and payment options personalized to your budget.

Questions? We Have Answers.

Does Personalized Shop-by-Payment impact my credit?

No. Using Personalized Shop-by-Payment does not affect your credit score, and there is no obligation to buy.

How does Personalized Shop-by-Payment protect my identity?

Personalized Shop-by-Payment uses our secure, patent-pending VeriQual™ process to verify your 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 based on the vehicle you select, lender terms, taxes, and applicable fees. However, the estimates are designed to provide as close a representation of your potential payment 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 to use Shop-by-Payment.

Can I change my target payment later?

Yes. You can adjust your target 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 credit inquiry is performed, which does not affect your credit score.

Does Personalized Shop-by-Payment include taxes and fees?

Yes. Estimates include applicable taxes and fees based on your location to provide a more realistic view of your potential monthly payment.

Can I shop for both new and used vehicles?

Yes. Shop-by-Payment searches the entire inventory, including new, used, and certified pre-owned vehicles.

What happens after I find a vehicle I like?

Once you find a vehicle you're interested in, you can schedule a test drive and review your final purchase or lease options directly with the dealer.

Is my personal information shared or sold?

No. Your information is kept secure and 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 profile or financial goals.

Sisbarro Autoworld Volkswagen