Frequently Asked Questions

Q: Who may apply for an auto loan?
A: Our vehicle loans are available to qualified US residents.

Q: What do I need to qualify for an auto loan?
A: In most cases all you will need is:

• At least $1000 gross monthly income required for credit scores less than 625
  
• All Bankruptcies do NOT need be discharged.
  
• No car loan repossessions in the last year unless included in the bankruptcy.
  
• US resident at least eighteen years of age.

Q: What do I need to bring with me for my application?
A: Each lending source we offer has their own set of rules, but we have found it helpful if you bring in the following items:

1. Proof of Income: Most recent pay stub (within the past 30 days, and it must include the year-to- date total). If your income includes overtime, you may also need your last 2 years' W2's.
   
2. Proof of Residence: Any utility bill in your name or your Bank Statement showing the correct address. (You must also have a phone at your residence)
   
3. Prepare 5 references that include the reference's name, address, and phone number including zip codes.
   
4. Your current driver's license
   
5. Proof of comprehensive auto insurance.
   
6. Although some of our sources allow purchases to be made with No Down Payment, bring in what you would like to put down.
   
7. Bring in your Trade's Title and Release of Lien (if applicable).
   

Q: Can a first time buyer or someone with no credit qualify?
A: Absolutely. We have loan program available to help you start establishing your auto credit history.

Q: What type of vehicles are available?
A: We have over 500 new and pre-owned cars, trucks, vans and SUV's from most manufacturers available.

Q: Is a large down payment be required?
A: Flexible down payment programs or deferred down payments are available in most circumstances.

Q: What if I have had some credit problems before? Can I still get approved.
A: Yes you can. We have financing options for people regardless of their credit history.

Q: What if I've had a bankruptcy. Can I still qualify?
A: Yes. The bankruptcy does NOT need to discharged. We can assist you as soon as the next day after you file bankruptcy.

Q: Is it safe to apply online?
A: Yes. If you notice on our application page there will be a lock at the bottom of your web browser showing that information on that page is safely encrypted before being transmitted.

Q: Is there a fee for applying for an auto loan?
A: There is never a fee to apply. And, we'll do everything we can to get you the lowest rates possible. We really want to earn your business.

Q: How can I tell if my online loan application was received?
A. When you successfully complete the application you are connected to a page that states we have received your application. You should expect to hear from us within a few hours, or first thing Monday morning if you applied over the weekend.