Best Places to Buy Used Cars with Financing, Even Bad Credit Finding the best place to buy a used car with financing comes down to three things: transparency, convenience, and total cost. The fastest paths today are digital-first: soft-pull prequalification to see your rate without hurting your credit, instant decisions, e-signing, and options for home delivery or click-and-collect. If your credit isn’t perfect, you still have strong choices—from online retailers like CarMax and Carvana to …