Welcome to Our Finance Center at Square One Auto

Get the Guidance You Need in Rahway, NJ

Are you in the market for a vehicle? Or perhaps you've already found something thing you want! Whatever the case may be, it's now time to figure out your payment method. This can easily become a stressful, overwhelming situation that brings down the whole experience of buying a new-to-you car. However, shoppers need not fret, with our expert finance team ready and waiting! Our team will ensure you have an enjoyable experience by guiding you through every finance option and its complicated jargon. You'll be jetting off in a dream car, truck, or SUV in no time when working with our helpful team. Call us up or go online today to learn more.

Why Square One Auto is Your Trusted Choice Near Edison, NJ

Our dealership has an extensive selection of excellent used cars, trucks, and SUVs choices. Our inventory is offered at competitive prices, and everything has been thoroughly inspected to meet our standards. Discover exceptional features and trim levels from our stock and get the care and service you deserve.

We understand that every customer is different, and our team works hard to tailor our finance options to meet everyone's individual circumstances. Our team doesn't believe in a one-size fits all type of policy. We believe in being upfront and customizing our guidance throughout the finance process as we work together.


First-Time Car Buyer?

Many first-time buyers can find themselves in a bit of a pickle when it comes to purchasing a vehicle. Often these buyers have little to no established credit, and as such, they'll find themselves unable to secure an affordable loan that doesn't rake them over the coals with hefty interest rates. Perhaps there might even be a larger required down payment in this case.

At Square One Auto, we don't discriminate against shoppers with low or no credit. Our No Credit Program is implemented to ensure first-time buyers or people wanting to re-establish their credit can still get a good deal. As long as you have proof of income or the ability to put money down, our network will work with you!

Be Prepared Before Arrival

Remember to bring the right information along with you, and give us a call if you're unsure what to bring. A few of the items we may request are insurance papers, tax ID, bank statements, Social Security card, and more.


Commonly Asked Finance Questions & Answers

There are always so many questions buzzing around when it's time to make a choice. Elizabeth drivers often feel deflated when thinking about their financial options and how confusing they can become. We hope you'll find some clarity in our asked and answered questions. Don't hesitate to contact us if we didn't cover a query you have!

If I have credit issues, can I still finance?

Our team will work with anyone and factor in any credit issues along the way. Schedule a meeting with our team for more details.

How much should a down payment be?

The more an Edison, NJ, driver puts down for their upfront costs can set the precedence for the entire loan or lease. Typically a down payment is anywhere between 10-30% of the entire total of the vehicle. The money put down when financing we'll fold back into the equity of the vehicle. A large down payment can mean lower interest rates, extended-term options, and more. However, New York City drivers can still explore various rates without having such a hefty down payment.

Should I trade in my current vehicle?

Drivers can discuss the benefits that come with trading in their current vehicle for its value. You can get started today with our online trade-in tool and get a quick appraisal and instant offer in minutes. Trading in your current vehicle is a great way to reduce the down payment by having some money you can put to offset that cost. Our online trade-in tool can be completed in minutes as long as you have some basic details about your vehicle at the ready.

What is the actual finance process like?

The aim of our team when working with any shopper is to remove the hassle of figuring out your finances. Buying a car is exciting; everyone loves the feeling when they finally figure out which vehicle speaks to them. Our team streamlines the buying process by making everything easy, play available, and understandable.

Is it better to choose a lease or loan?

This all depends on a driver's own personal preferences and budget. When it comes to leasing and loaning, there is no inherent winner or loser. Both have options that could be extremely beneficial for different situations. A loan offers the security of working towards vehicle ownership. Whereas a lease allows for more range and flexibility. Speak to our finance experts, and our team will review the options with you clearly so you can make an informed decision.

Reach Out to Square One Auto Today

When it comes to financing your next vehicle purchase, our finance center is your trusted choice. Our experienced professionals are dedicated to ensuring you have the necessary tools and resources. We offer a wide range of financing options and always operate with honesty and transparency.

Take advantage of our online shopping tools so you can hit the ground running from the comfort of your home. Our team is committed to the work we put in that will help you confidently find the best choice that suits your needs. Contact us or go online to fill out our finance application. We hope to hear from you today so we can lend a hand soon!

Financing Made Easy

Everyone loves the feeling of getting behind the wheel of a new vehicle. But no one loves the hassle of figuring out vehicle financing. Here at Square One, we make financing easy and available for everyone. If you’re ready to get the process started, just click below to get pre-approved for financing!

No Credit Program

We offer a variety of loan options to first time buyers and those who don't have credit or are establishing/re-establishing credit. If you have proof of income or money down, our lenders will work with you.

Flexible Financing

We're here to help you by going over every option clearly, and will find the right plan for you. We work with over 20 lenders that offer a variety of terms and options. If you have 30% down, we guarantee you an approval. At Square One, there is something for everyone.

Exotics Loan Program

Very few dealers can accommodate long-term loans for ultra luxury or exotic vehicles. Square One is one of them! We offer extended terms on vehicles over $100K that can be paid off over longer periods.

Customize Payments Online

See a vehicle you like? Go directly to that vehicle's page and start playing with payment options. You can also use KBB My Wallet to enter your payment options, and we'll show you every vehicle that fits that budget.

No Social Program

We hear it all the time - "I can't get a loan without a social security number." This isn't true at all. If you have a Tax ID and 3-months of bank statements, Square One will work with our lenders to get you qualified.

Financing With Square One Is Easy

Learn How to Use a Loan Calculator

Did you know you could customize your payment online? Start shopping from the comfort of your home and click on a vehicle you desire. We have it set up on the page where drivers can mess around with different payment options. If New York City drivers want to be precise about it, they can utilize our payment calculator. It's Easy to use and always available online.

Simply plug in some information, such as the price of the vehicle, the estimated financing rate, and how much you want to put down for upfront cost. New York City drivers can play around with different rates and down payments while adjusting the time terms as they wish. This calculator tool offers a more tangible, visual representation of your estimated monthly payment based on the information submitted. East Brunswick drivers will appreciate how easy it is to use and how beneficial it is to play around with before meeting with our finance department.

Lenders We Work With:

Explore a Variety of Payment Methods Around Newark

We're here to help buyers navigate every option available clearly until the right plan presents itself. Our dealership works with over 20 lenders, each with unique and varied terms and options to fit different situations. Our team can find a great deal for everyone, and if you put 30% down, we guarantee credit approval! Check out a few of the reputable lenders working with our team:

  • Ally Bank
  • AmeriCredit
  • Anderson Brothers Bank
  • Bank of America
  • Capital One
  • Grow Credit Union
  • Westlake Financial
  • And more!

Kick off your finance journey by completing our application and getting pre-approved today.

Frequently Asked Questions
At Square One, the financing process is as simple and pain-free as possible. We understand that applying for credit can be stressful, but we're here to support you. We recommend saving yourself some time by filling out an application online. This gets the ball rolling. One of our finance professionals will them follow up with you as soon as possible. 
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.
Simple. We work with over 20 lending institutions and have established strong relationships with all of them. Sit back, relax, and let us shop for the best rate and term options available to you. 
The general rule of thumb is to put down 10-20%, but this changes depending on your needs and budget. A down payment of 30% is usually instant approval. Often times, no payment is required to secure financing. But, doing so can lower your monthly payment drastically.
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Buying a Used Car in Rahway NJ Is a Better Idea Than a New One

You may not think about whether purchasing a used car is a good decision until you need your next car. Fortunately, buying used vehicles is a wonderful choice that Elizabeth and East Brunswick drivers can benefit from for many years. Although a brand-new vehicle is very alluring, it may not be the wisest way to go. Here are advantages that make buying a used car may be a better idea than a new one.


With a new car, you tend to add features suggested by the dealership at the time of purchase. However, with a used car, you can use your imagination and add accessories that best fit your personality. Because the car is a bit older, Newark and Edison NJ drivers can save money and get more fun out of their vehicle.

Get a Better Vehicle

You may have your eyes on a high-end or luxury vehicle that will not fit your budget. Yet, buying a used car, truck, or SUV is a terrific way to get a vehicle you normally could not afford. Just by choosing a model that is a few years older, you can drive away with your preferred style and features.


When new cars are made, the process uses up precious resources and can release unhealthy gases into the environment. When you purchase a used car, you are making a more eco-friendly choice. This decision lowers the demand for new cars and therefore decreases the need for production.

When you are for a used automobile, you want to visit a location that specializes in used vehicles. That is why our dealership near New York City is the perfect place to get what you need. With our extensive inventory, you are sure to have the best vehicle for your lifestyle and budget. Come by and enjoy our hassle-free process today.

Your privacy is important to us.

Square One Auto takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. Square One Auto

    931- 965 St. Georges Avenue
    Rahway, NJ 07065

    • Sales: (732) 943-2444
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Get in Touch

  • Contact our Sales Department at: (732) 943-2444
  • Monday9:00AM - 8:00PM
  • Tuesday9:00AM - 8:00PM
  • Wednesday9:00AM - 8:00PM
  • Thursday9:00AM - 8:00PM
  • Friday9:00AM - 7:00PM
  • Saturday9:00AM - 6:00PM
  • SundayClosed - Shop online 24/7