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7-day money-back guarantee · Home delivery across Tennessee & Alabama · Free vehicle history reports

7-day money-back guarantee · Home delivery across Tennessee & Alabama · Free vehicle history reports

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City Auto

Real prices, free history reports, 7-day returns and home delivery across Tennessee and Alabama.

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Call or text us: (901) 844-3774

City Auto Memphis

4954 Elmore Rd, Memphis, TN 38128

Mon–Fri 8a–7p · Sat 9a–6p · Sun closed

City Auto Chattanooga

2263 Encompass Dr, Chattanooga, TN 37421

Mon–Fri 9a–7p · Sat 9a–6p · Sun closed

City Auto Huntsville

7507 Hwy 72 W, Madison, AL 35758

Mon–Fri 9a–7p · Sat 9a–6p · Sun closed

City Auto Murfreesboro

1015 Bridge Ave, Murfreesboro, TN 37129

Mon–Fri 8a–7p · Sat 9a–6p · Sun closed

 

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Financing, simplified

Preview: our lending partners are not connected yet, so this page shows sample terms. Nothing you enter here is sent to a credit bureau, and we do not ask for your Social Security number. Real prequalification with real lenders is coming.

Get prequalified in about two minutes. It's a soft inquiry, so your credit score is not affected, and your terms show on every car for 30 days.

No score impact

A soft inquiry only. Applying for the loan later is a separate step with your consent.

Terms on every car

Once prequalified, every price on the site shows your real monthly payment.

30 days to decide

Switch cars as often as you like within the window with no new inquiry.

Get pre-qualified

About you

Preview mode: no credit bureau is contacted and no Social Security number is collected. The sample profile only picks which example terms you see.

Where you live

Work and income

Alimony, child support or separate maintenance income need not be revealed if you do not wish it considered.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Standard terms used for estimates before you prequalify
© 2026 City Auto Sales LLC. All rights reserved.
TermAPRPer $10,000 financed
36 months9.90%$322/mo
48 months9.90%$253/mo
60 months9.90%$212/mo
72 months9.90%$185/mo
84 months9.90%$165/mo

Questions people ask

Does prequalification affect my credit score?
No. Prequalification uses a soft inquiry that does not affect your score. A hard inquiry happens only when you accept financing with us at order, with your consent.
How long are my terms good for?
Thirty days. During that time every car on the site shows your real monthly payment, and you can switch cars as often as you like without a new inquiry.
Can I use my own bank or credit union?
Yes. Choose third-party financing, name your lender and upload the approval letter after you place the order. Your lender pays us by ACH or check.
Can I add a co-signer or co-borrower?
Yes. With City Auto financing you can add a co-signer, who is not on the title. With your own lender you can add a co-borrower, who is. The added person verifies their identity, signs and attends the handoff.