FAQ

When you first visit Ruby-Car.com, the posted rates and monthly payments for each vehicle are averages, not based on your individual credit score and down payment.

These estimates are designed to provide you an estimate of your monthly payment. Your actual monthly payments can vary based on your personal credit.

Personalized payments provide estimates of your monthly payments, enabling you to see financing details for most vehicles, including:

• Down payment
• Rates
• Terms
• Local taxes and fees

Yes, Ruby-Car.com allows you to apply for and select the right auto loan for you. Click here to learn more.

No, but RubyCar customers usually prefer financing through our financial partners with competitive rates.

When browsing our site, leverage the ‘Get Pre-Qualified’ tool or payment calculator on each vehicle’s details page to understand monthly payments. Make sure to include an applicable trade-in or pick-up the vehicle instead of delivery to help reduce monthly payments.​

Shop Used Cars Under 20k for deals on lowest priced vehicles.​ Click here to shop by vehicle location for pick-up.

Your down payment is made at time of purchase through our online payment portal, where you can make safe, secure payments directly from your bank account. You will need your account number and routing number to complete this step.

A credit card can be used for down payment for up to $2,500.00 when paying cash for your RubyCar or when using an outside lender. A credit card cannot be used for down payment when financing your purchase with a RubyCar lender.

Yes, you can add a co-buyer to your pre-approval.

Unlike financed purchases, transactions processed with OSF lenders or cash don't generate the traditional finance rewards from our partners that help cover internal costs associated with each transaction. These costs include document preparation, title transfers, credit checks, etc. To offer customers options, we provide financing solutions where these internal costs are typically covered by partner rewards. However, we respect your choice to use OSF lenders or cash, and the processing fee helps ensure we can efficiently complete your transaction while maintaining our service standards.

No, we've removed that pain point by competitively pricing our vehicles so you can enjoy a haggle-free RubyCar experience!

You can! If you’re self-registering, our team will provide the necessary documents:

• Buyer’s Order
• Title
• DR123
• Odometer Statement

If any fees paid to RubyCar are also requested by the local DMV, please contact 1-800-789-0095.

You’ll receive a 30-day temporary plate with your vehicle. If needed, a second temporary tag can be issued if all paperwork is complete.

Once your registration has been signed, your permanent plates will be processed by your state’s DMV and either mailed to you or made available for pick-up, depending on state requirements.

Once you've gotten your vehicle inspected by your local DMV with the paperwork provided by your finance advisor, return it to RubyCar with the provided envelope. If state inspections are needed, we’ll provide a UPS label for you to send back any required documents.

Depending on your state, you may be required to complete a VIN inspection, smog inspection, or both. For any questions about your state, consult your financial advisor from RubyCar.

You can only trade-in your vehicle when purchasing a RubyCar. We use the power of Kelley Blue Book to appraise your vehicle with an instant cash offer. This can do this now, or complete this step after you select your RubyCar.

You receive direct access to Kelley Blue Book's Instant Cash Offer, a trade-in valuation tool built into our eCommerce Site. Just enter your vehicle details to instantly obtain a value.

Only one vehicle can be traded in per purchase.

This means you have negative equity. You can still use it to finance a car on Ruby-Car.com, but it may affect the terms of your rate and loan.

You must have a rare or unique trade that stumped our algorithm. Please call us at 1-844-279-6391 and we will assist you with your trade-in options.

You will need the following information:

• Your KBB Instant Cash Offer certificate
• Your vehicle title - If you don't have a title because your car is financed, bring your lienholder information. If your car is leased, check with your leasing company to find out what paperwork they require.
• Your vehicle registration
• A valid driver's license or other government-issued photo ID
• All keys, keyless remotes and manuals
• Service and repair records

Your KBB instant cash offer is the real deal, and we will gladly swap your current vehicle with a RubyCar.

When you take delivery of your RubyCar.

Your appraisal is valid for 7 days or 500 miles.