How It Works
How Pick The Payment Works
We're a free service that connects you with dealers who know all credit situations. You pick the car, the down payment, and the monthly payment.
Tell us the basics
Name, phone, and email. About 30 seconds. No credit pull, no SSN, and nothing hits your credit until you say go.
We review and match
A real specialist reviews your situation and matches you with a local dealer who works all credit situations — and stocks the SUVs, trucks, and sedans you actually want.
We call you
Your confirmation email lands first, then a real PTP specialist calls — no call center, no bots. We're on the line Mon–Fri 9am–9pm and Sat 9am–7pm, closed Sunday.
You pick your payment and drive
At the dealership you set the car, the down payment, and the monthly number. You dictate the terms — that's the whole point.
Free, Always
What You Get
There's no plan to choose and nothing to pay. Everything below is included from the moment you submit your info.
- Free pre-qualification review — no credit pull or SSN to start
- Access to our full local dealer network
- Financing options matched to your situation
- Dealer coordination and clear next steps
- Application guidance from a real specialist
- Email, text, and chat support during open hours
Questions? Contact us — we're here to help.
Why Buyers Start with Pick The Payment
Hundreds get matched every month — free, with no credit pull and no SSN to start.
Save Time
Skip the runaround. Work directly with a decision-maker.
Get Clarity
Understand your credit situation and exactly what steps to take next.
No Hidden Fees
100% free service — no add-ons, no surprises.