Know before
you shop.
Get pre-approved in minutes with a soft credit check. No impact to your credit score.
Pre-Approval
3-minute application & soft credit check with Equifax or TransUnion.
Smart Match
See vehicles that fit your budget before you shop.
Buy Smart
Work with a certified Finance First™ dealer. No surprises. No pressure.
Pre-approval is fast, free & won't impact your credit score!
Real people. Real help.
Buy It Smart agents are here for you.
Our Finance First™ certified agents are ready to answer your questions and guide you every step of the way.
Three simple steps. Know before you go.
Pre-Approval
3-minute application. Soft check with Equifax or TransUnion.
Smart Match
We match you with vehicles that fit your budget before you shop.
Buy Smart
Visit your certified Finance First™ dealer and buy with confidence.
We use trusted credit bureaus to help you qualify, without affecting your credit score.
- Know before you shop
- Save time & avoid hassle
- Get matched to vehicles that fit your budget
- Work with certified Finance First™ dealers
- All credit types welcome
- Shop online or in-store
Kim MacPherson
From your first question to the keys in your hand, Kim is in your corner. Buy It Smart is the buyer's side of the Finance First™ movement she created over 25+ years in the car business — from the sales floor to Dealer Principal.
Through Buy It Smart Automotive — delivering vehicles right to customers' homes — Kim coached her own buyers through the process and earned real 5-star Google ratings doing it. Today, she leads a network of certified dealers trained to treat you exactly the same way.
- ✓Your coach through every step — no question is a dumb one.
- ✓25+ years of experience, floor to Dealer Principal.
- ✓Real 5-star Google ratings and customer testimonials.
- ✓Leads a network of Finance First™ Certified dealers.
"People shouldn't have to feel uncomfortable, stressed, or embarrassed to buy a vehicle. I'll help you arrange your financing before you shop, so you buy with dignity and confidence."
— Kim MacPherson, Creator of Finance First™
Real people. Real stories. Real results.
Buyers who knew before they shopped — and drove away happy.
The Buy It Smart Referral Program
Share your link. Get a free car payment.
Share your personal link with friends, family, and your socials. When someone applies through your link and buys, we make one of your car payments for you — your choice of a bi-weekly or monthly payment. That's our thank-you for spreading the word.
One payment per qualifying referral who completes a purchase through Buy It Smart. Payment amount is the referrer's regular bi-weekly or monthly auto payment, paid after the referred purchase is finalized. Full terms apply.
Questions? We've got answers.
Will applying hurt my credit score?
No. Pre-approval uses a soft credit check through Equifax or TransUnion, which does not affect your credit score.
How long does the application take?
About 3 minutes. After you apply, a Finance First™ certified agent will call to confirm your details and your matches.
What if my credit isn't perfect?
All credit types are welcome. The whole point of Buy It Smart is to tell you what you qualify for before you shop — and if you're not approved yet, you'll leave with a clear plan to get there.
Does it cost anything?
No. Getting pre-approved is fast, free, and comes with no obligation.
What can I get financed?
Cars, trucks, SUVs, power sports and more — with additional categories coming as Finance First expands.
Start here — it takes about 3 minutes.
One application. A soft credit check that won't affect your score. A certified Finance First™ agent will call to confirm your details and your matches.
You're on your way.
Thanks, there! Your pre-approval request is in. A certified Finance First™ agent will call shortly to confirm your details and your Smart Matches — so you'll know before you shop. No pressure, no judgment.