Does OffLot offer real car loans?

Not yet. OffLot is currently in preview, so the lender programs, rates and financing examples shown are simulated and illustrative, and real credit checks and purchases aren't live. You can still explore how financing works: Build your deal shows payment examples from sample lenders, every vehicle page includes a 'What can I afford?' estimate, and the pre-approval flow shows how it will work, with the Social Security number and date of birth fields locked.