05 / Financing
No credit applications are taken on this site
Three routes to the money, and the caveats that matter
We are a dealership, not a lender. We introduce you to the programme that fits, put the paperwork in front of the right people, and tell you plainly what we do not know — starting with the federal tax credit, which depends on you rather than on the car.
Cheapest car here
$12,900
2019 Nissan Leaf
Average asking price
$21,588
across the stock
Most expensive here
$36,900
2021 Toyota RAV4 Prime
Under market midpoint
2/8
published per car
Route one · most buyers
A prime lender
The usual path: a mainstream lender or credit union, a straightforward instalment agreement, and the car as security until the final payment. The lender sets the rate and the terms; we do not.
Bring an approval from your own bank if you have one. A pre-approval you arranged yourself is usually the cheapest money in the room, and we will build the paperwork around it rather than push you towards ours.
Route two · thinner files
A second-tier programme
For buyers with a short credit history, a past default, a recent move or self-employed income that a bank does not read easily. The rate is higher and the advance against the car is lower, and we say both of those out loud rather than letting you discover them at signing.
A larger down payment, a shorter term or a co-signer changes what a second-tier programme will offer. So does choosing a cheaper car on the lot — the arithmetic is not a secret, and we will run it with you on the phone.
Route three · cash
Bank transfer or cashier’s cheque
The simplest file there is: no lien, no monthly payment, and a title in your name with nothing written on the back of it. We hand over the file and the keys once funds have cleared, and the battery report and paperwork go out before you travel.
We do not take payment details over this site, and we never ask for card numbers by email.
What to bring
Six things · nothing else needed
- Driver’s licence
- For the test drive and for the lender’s identity check.
- Proof of income
- Recent payslips or bank statements, whatever the lender asks for in writing.
- Proof of address
- Something dated within the last couple of months, in the name of the buyer.
- Insurance
- A policy or a quote for the car you are buying — cover has to exist before the keys move.
- Your own approval
- If your bank or credit union has already approved you, bring the terms. We work with them.
- Payoff details for a trade
- Lender name, account number and a ten-day payoff figure, so the numbers land on the same day.
Send scans or photographs by email if that is easier — info@voltbaymotors.site reaches the same desk the battery reports come from, and everything is answered by a person.
How the site works
No forms, no credit check, no SSN
There is no application on this website and there never will be. No social security number, no date of birth, no card details, no upload of a payslip.
Financing here is arranged by telephone and email with a named lender, so you can hear who is looking at your file and why they are asking for what they are asking for.
The honest caveats
Two things we will not pretend to know.
One is tax. The other is what a lender will decide about your file. We can explain the shape of both, and we can put you in front of somebody who knows the detail.
Tax credits
The rules are complex, and they depend on you
Federal incentives for electric cars are conditional: they can turn on who is buying and how the car is titled, on the model year, on the price, on whether the vehicle has changed hands before, and on the buyer’s own tax position. The rules also change, sometimes within a single year.
That is why we do not quote a credit figure on this site, in a listing or in a phone call. A number that is right for one buyer is wrong for the next one, and a dealer who promises it is guessing with your money. Take the advice of a tax professional before you sign, and bring the answer back to us — we will paper the deal however you and your adviser decide is right.
Rates and terms
The lender decides, not us
We do not set interest rates, and we cannot promise an approval. What we can promise is that the terms you are shown are the terms the lender offered, itemised, with nothing folded into a monthly payment to make it look smaller.
Beyond the sticker
Every line, in one worksheet
Sales tax, title, registration, tag and documentation are written into a single worksheet with the price of the car and the value of any part exchange. You see the final figure before you sign, not after, and nothing is added on the day of collection.
Part exchange
Your current car can carry most of the deal
We appraise electric and petrol cars the same way, from measurements, and the offer is written down against the car you are buying. Where you still owe money on it, the payoff is settled on the same day as the purchase so you are not carrying two agreements at once.
In order
- 01 You choose the car The listing price, the battery report and the market comparison are already public.
- 02 We confirm the build Options, trade-in value and payoff, so the figure the lender sees is the real one.
- 03 The lender looks at the file You hear the decision from us, with the terms in writing, including anything we would push back on.
- 04 Signing and handover One worksheet, one file, and a car charged to 80% or on a truck to your address.
Financing / by phone
Run the numbers with a person, not a form
Tell us the car, the down payment you have in mind and whether there is a trade-in. We will tell you which of the three routes fits, what the lender will want to see, and where the tax credit question is one for your accountant rather than for us.
Answer within four business hours, from the technician who ran the battery test.