Financing made easy —whatever your credit story.
First-time buyer or seasoned shopper, our finance team works with 100+ lenders to find the right loan for you. Honest, transparent, and built around your situation.
Three steps to your next vehicle
No pressure, no jargon — just a straightforward path from application to driveway.
Apply online
A quick, secure pre-approval application. No pressure and no obligation to start.
We shop 100+ lenders
Our finance team finds the most competitive rate for your credit and budget, including credit-union options through CUDL.
Drive home
Pick your vehicle, sign, and hit the road — with everything explained in plain English.
A friendly face in Finance.
When you finance with us, you're working with real people who live and work right here in Kitsap. Kurtis and our finance department take the time to understand your situation and find an option that actually fits — no pressure, no runaround.
Apply Now100+ lenders working in your favor.
We're proud to work with over 100 different lenders. That expansive library means we can find the best possible rate for your credit and situation — and as a CUDL (Credit Union Direct Lending) provider, we open the door to even more credit-union options for your convenience.
Right here in North Kitsap, just ten minutes from Silverdale, we've spent years building strong relationships with banks and lenders across the country. Whether you're a first-time buyer in Bremerton or adding to the collection, we handle the financial side — so you can focus on the drive through Bainbridge, Poulsbo, and beyond.
- All credit welcomeGood, bad, rebuilding, or none — we work with every situation.
- First-time buyersGreat first-time-buyer programs and a team that guides you through each step.
- CUDL providerCredit Union Direct Lending opens up even more competitive options.
- Transparent processHighest-rated pre-owned dealer in Kitsap County — no surprises, ever.
Finance FAQ
The questions we hear most — answered straight.
Absolutely. There are great first-time-buyer programs these days, and our Finance Director will walk through all of them to find the best fit for your situation. With the right help, financing your vehicle is painless — even fun.
Yes. And thanks to Liberty Bay's long-standing relationships with so many lenders, we may even be able to beat your current pre-approval — or match it to keep things simple for you.
Not always. It depends on your credit situation at the time you apply. We'll work with you to figure out how much of a down payment, if any, makes sense.
We do. With 100+ lenders — including ones who specialize in challenged credit — we work hard to find an option for nearly any situation. First-time buyer, rebuilding, or starting fresh, let's talk.
Often the same day. Once your application is in, our finance team gets to work right away and reaches out with your options as soon as we can.
"Just purchased a Hyundai Palisade from these guys and they were terrific! Sales and Finance were really FRIENDLY and HONEST. This is my second interaction with them and they continue to NEVER disappoint."Ben · Google Review
Ready to get pre-approved?
It only takes a few minutes — and there's no obligation.
