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Can You Finance a Car on Sunday?

No, you cannot typically finance a car on Sunday. Why not? Well, most dealerships are closed on Sundays except during special sales events. In many states, this is due to so-called “blue laws”–legislation aimed to uphold or enforce certain religious standards. The most well-known of such laws are those pertaining to alcohol sales on Sundays, or the lack thereof as the case may be. What you might not realize is that many states still prohibit dealerships from being open on Sundays.  Here are some of the states where this is in effect:

  • Colorado
  • Maine
  • Minnesota
  • New Jersey
  • Oklahoma
  • Pennsylvania
  • Texas (must be closed either Saturday or Sunday)
  • Wisconsin

Additionally, in many states that don’t have blue laws, dealerships are closed anyway.  Most dealerships give their sales staff a rotating day off during the week, but everyone wants to have a weekend day off as well. So, with the vast majority of dealerships closed on Sundays across the country, it would be very difficult just to find a car to finance.

Closed Banks and Conditional Financing

Even if you shop during a special sales event on a Sunday, you still cannot finance a car. Dealerships may tell you that they are arranging your financing, even quote you an interest rate and monthly payment, but those will only be estimates. Why? All of the lenders are closed on Sunday. Your loan may be the first one they consider on Monday morning, but on Sunday the financing that you are offered is only ”conditional.”

When you are given ”conditional” financing the dealership gives you its best estimate of payments, etc based on past dealings with lenders. The problem is that a lender may want a higher down payment, interest rate, or deny your loan after they pull your credit report. If that happens, you will get a call telling you about the new terms or demanding that you return the vehicle immediately. This is often known as “spot delivery” or “yo-yo financing,” and is interpreted by some consumer advocates as a type of scam, often targeted toward first-time buyers. So, instead of having these situations crop up, most dealerships avoid being open on Sundays to help protect their public image.

Getting a Jumpstart on Financing, even on Sunday

If it’s Sunday and you want to get a jumpstart on buying your next car, we can still help. We accept applications seven days a week, 365 days a year. Often we can place you with a finance specialist who is working on Sundays, and if not, you’ll be first on their list come the next day. If that sounds like a plan to you, don’t hesitate to apply online and get rolling on your purchase.