Flexible Payment Plans

Drive your dream BYD today with affordable monthly payments, low down payments, and tailored plans to fit your budget.

View Your Options Get Pre-Qualified

Why Choose Our Payment Plans?

Designed to make premium electric vehicles more accessible with smart, transparent, and customer-first financing.

Low Monthly Payments

Spread the cost over 36–84 months to keep payments affordable and predictable.

Low or No Down Payment

Start driving with as little as 0% down on qualified credit — or boost equity with a larger down payment.

Competitive Rates

Starting from 2.9% APR* — lock in low rates to save thousands over the life of your plan.

No Hidden Fees

Transparent pricing — no prepayment penalties, no surprise charges, no dealer add-ons.

Our Flexible Payment Plans

Standard Financing

3.49%

APR*

  • 36–72 month terms
  • $5,000+ down recommended
  • New & certified pre-owned
  • Best for long-term ownership

Premium Plan

2.90%

APR* – Top Tier

  • 48–60 month terms
  • Excellent credit required
  • Lowest possible payments
  • Exclusive for qualified buyers

Extended Term

4.49%

APR*

  • Up to 84 months
  • Lowest monthly payments
  • Great for newer drivers
  • All credit levels considered

*Rates are subject to credit approval, term length, vehicle model, and location. Offers valid as of February 2026. See full terms during application.

How Our Payment Plans Work

1

Get Pre-Qualified

Apply online in minutes with basic info — no hard credit pull for pre-qualification. See your estimated payment options instantly.

  • Takes 3–5 minutes
  • Multiple plan offers
2

Choose Your Vehicle & Plan

Browse inventory or select a model — then pick the payment plan that fits your budget and timeline.

  • Combine with trade-in value
  • Add incentives & rebates
3

Finalize & Drive

Sign digitally, complete final paperwork, and take delivery — often same-day or next-day.

  • Secure funding to dealer
  • Start enjoying your BYD

Frequently Asked Questions

What credit score is needed?

We offer plans for a wide range of credit profiles. Excellent credit (720+) unlocks the lowest rates. Good credit (660–719) still qualifies for competitive terms. Fair credit options available.

Can I pay off early?

Yes — all our plans allow early payoff with **no prepayment penalty**, saving you money on interest.

Do you offer leasing?

Yes — leasing options are available with low monthly payments, mileage limits, and end-of-lease purchase options. Ask your advisor for current lease specials.

Can I combine incentives?

Absolutely — stack federal/state EV incentives, trade-in value, and rebates to reduce your effective cost and monthly payments.

How fast can I drive off?

With pre-approval and vehicle selection, many customers complete the process and drive home the same day or next day.

Ready to Customize Your Payment Plan?

Get pre-qualified in minutes and see exactly what your monthly payments could look like.

View Your Payment Options

Questions? Email us at support@bydkhodro.org