Drive now. Pay your way.
Four financing products. Pre-approval in 3 minutes with a soft credit check. Funded by tier-one banking partners. Your monthly payment, clear before you buy.
- Pre-approval in 3 minutes, no hard credit pull
- Rates from 3.9% APR for qualified buyers
- Choose your own term — 24 to 84 months
- Funded by HSBC, Santander, DBS and Wells Fargo
Live calculator
Monthly payment estimate
LIVE · USD
Selected vehicle
SEAL GT · Performance
$42,900
Change →
$42,900
$26,800 · Dolphin$138,500 · Yangwang U7
$8,580 · 20%
0% · Zero down50% · Half cash
60 months
24 mo
36 mo
48 mo
60 mo
72 mo
84 mo
4.9%
3.9% · Qualified buyer12% · Subprime
Your monthly payment
$645/mo
Excludes taxes, insurance, registration. Estimate only.
Total interest
$4,435
Total cost
$47,335
Four ways to finance
Pick the product that fits you.
All four products are available for every vehicle in our lineup, subject to regional availability and credit approval.
01 · Traditional
Standard Loan
$645/mo
60 mo · 20% down · 4.9% APR
Term24–84 months
Down payment10% minimum
APR4.9% – 12%
Own it?Yes, at payoff
Early payoff feeNone
Best forBuyers who want to keep the vehicle long-term and build equity every month.
Apply for Standard02 · Lease
Flex Lease
$429/mo
36 mo · $2,500 drive-off · 10K mi/yr
Term24 or 36 months
Drive-off$1,500 – $5,000
Mileage10K / 12K / 15K
End of termReturn or buy
Swap optionUpgrade any 24mo
Best forDrivers who upgrade often and want the lowest monthly payment with flexibility.
Apply for Flex03 · Balloon
Balloon Payment
$398/mo
48 mo · $14,300 final payment
Term36 or 48 months
Down payment15% minimum
MonthlyLowest of the 4
Final payment~33% of price
Final optionsPay, refi, or trade
Best forProfessionals with strong cashflow who'd rather plan a lump sum than a higher monthly.
Apply for Balloon04 · In-house
BYD Installment
$573/mo
72 mo · $0 down · 3.9% APR
Term48 – 84 months
Down payment$0 available
APRFrom 3.9%
Giveaway entries+10 entries
Service bundle3yr included
Best forFirst-time EV buyers who want zero down, the lowest APR, and perks stacked on top.
Apply for BYD InstallmentSee where your money goes
Principal vs interest, month by month.
In the early months, most of each payment covers interest. As the principal shrinks, so does the interest charge — and more of every payment builds your equity. Here's what that looks like on a SEAL GT at $645/mo over 60 months.
60-month amortization
How each payment splits
PrincipalInterest
MO
PRINCIPAL
INTEREST
BALANCE
01$505$140$33,815
02$507$138$33,308
03$509$136$32,799
06$516$129$31,249
12$529$116$28,031
24$555$90$21,382
36$583$62$14,240
48$613$32$6,544
60$645$0$0
Download full 60-month schedule (PDF) →
Down payment20%
Principal60%
Interest10%
Fees & tax10%
Total cost breakdown
What you actually pay.
No hidden fees. Here's everything that makes up the number above — for a SEAL GT, 20% down, 60 months at 4.9% APR.
Down payment
Paid at signing · reduces financed amount
Principal (vehicle price)
Financed balance · spread over 60 months
Interest
4.9% APR · simple interest
Acquisition & doc fees
One-time · includes title and registration
Total cost
Over life of loan$47,335Pre-approval
Know your rate in 3 minutes.
Fill out the form and get a personalized APR estimate and monthly payment — without affecting your credit score. Just a soft pull.
Soft credit check · no impact on your score
Real rate, not a teaser · from our bank partners
Offer valid for 30 days · no obligation
Apply the offer to any BYD in inventory
Your data is safe. This is a SOC 2 Type II audited flow. Information is encrypted in transit and at rest. We do not share your details with third parties except the tier-one bank that underwrites your offer.
Before you apply
Eligibility and documents.
Requirements vary slightly by country. Below are the US defaults — EU and APAC equivalents are similar, with regional ID documents.
Who can apply
Eligibility requirements
Age
18+ in most jurisdictions (21+ in some US states)
Credit score
620+ recommended for standard rates. We work with 550+ through alternative underwriting.
Income
$30,000+ annual for most products. BYD Installment has no minimum — monthly cashflow review.
Employment
Employed, self-employed, or retired with stable income. Minimum 12 months history.
Residency
Legal resident of one of our 82 supported countries.
Debt-to-income
Below 45% including the new payment, for most products.
What you'll need
Documents to upload
ID
Government-issued photo IDPassport, driver's license, or national ID card
$$
Proof of incomeLast 2 pay stubs, or last tax return if self-employed
HOME
Proof of residenceUtility bill, lease, or bank statement — last 60 days
BANK
Bank statementsLast 2 months — for debit authorization of monthly payments
SSN
Tax/social IDSSN (US), NI number (UK), SIN (CA) — varies by country
INS
Proof of auto insuranceDue at or before delivery — not required to apply
Funded by tier-one banks
We don't hold your loan — they do.
HSBCAMERICAS · EMEA
SantanderEU · LATAM
Wells FargoUNITED STATES
DBSASIA · PACIFIC
BarclaysUK · EUROPE
TD BankCANADA
Common questions
Financing, explained.
Have a question not answered here? Our financing advisors are available 24/7 via live chat, or book a 15-minute call.
Talk to an advisor →What's the difference between APR and interest rate?
The interest rate is what the bank charges on your principal. APR (Annual Percentage Rate) is the interest rate plus any finance fees, expressed as a yearly cost — it's the true cost of borrowing. APR is always equal to or slightly higher than the interest rate. We show APR because it's the honest number.
Will applying hurt my credit score?
No. Our pre-approval uses a soft credit inquiry, which is invisible to other lenders and does not affect your score. Only if you choose to proceed with final underwriting does a hard inquiry occur — and you have to explicitly authorize that.
Can I pay off my loan early?
Yes, without any penalty. All four products allow early payoff at any time, and you only pay the interest accrued up to that date. Many customers use a year-end bonus or tax refund to pay down principal faster.
What if I lose my job during the loan?
We offer Payment Protection — a $12/mo add-on that covers up to 6 months of payments if you're involuntarily unemployed. We also have hardship programs that can defer payments for 30–90 days without a hit to your credit. Call us as soon as something changes — the sooner, the more we can do.
Can I refinance later if rates drop?
Yes. After 12 months of on-time payments, you can refinance your BYD loan with us (or any external lender). We'll beat any qualified competing offer by 0.25% APR, up to 24 months after origination.
Is the BYD Installment product really zero down?
Yes — for qualified buyers. Zero-down means no cash at signing for the vehicle itself. You'll still need to cover first-month payment, registration, and taxes at delivery (typically $1,000–$2,500 total). The 3.9% APR is subsidized by BYD for the first 48 months and resets to market rate thereafter.
Does financing affect my giveaway entries?
Yes — in your favor. Any BYD purchase (including financed) earns 10 weekly giveaway entries the week of delivery, plus 1 bonus entry every week for the next 12 weeks. BYD Installment specifically adds a 5-entry weekly bonus for the life of the loan.
Can I finance through my own bank instead?
Absolutely. We accept cashier's checks and wire transfers from any bank. Many credit unions offer auto loan rates below ours, especially for members with strong credit. Compare offers — we'll never pressure you to use our financing.
Ready to move forward?
Get your rate. Pick your car. Drive home this month.
Pre-approval in 3 minutes. Funding in 24 hours. Delivery in 4–8 weeks. No hard credit check until you decide to proceed.