Frequently asked questions
Approvals are almost instant. Once you complete the short application at the dealership, most financing decisions come back within minutes, so you can finalize your loan and drive away the same day.
Yes — you can make payments, view your balance, and track your loan progress anytime through your Vibrant account or mobile app.
Absolutely — financing is available for both new and pre-owned vehicles.
Yes. Terms vary based on vehicle age, mileage, loan amount to vehicle value and your credit history.
We’re expanding our dealer network rapidly across Illinois, Iowa, and Wisconsin. New dealerships are joining Vibrant every month, giving you more places to shop, finance, and drive away with ease. Check back soon for our up-to-date list of participating dealers — chances are, your favorite lot will be on it soon.
Yes — but becoming a member is easy. When you finance through a participating dealer, anyone can join. As part of the loan process, the dealer makes a $5 donation on your behalf to the Be the Good Foundation, so you automatically become a member while supporting community programs.
Find a trusted dealership near you
We’ve teamed up with dealerships across the region to make financing your next vehicle easier than ever. Visit a participating location, choose your car, and ask to finance with Vibrant to get great rates and fast approval—right on the spot.
How it works
How it works
Visit a participating dealer (list coming soon)
Choose your vehicle — new or used
Finance through Vibrant directly at the dealership
Drive away with confidence.