Frequently Asked Questions | Financing

Do you offer financing for good credit?

YES! With approved credit, you could get into a vehicle with zero down payment and enjoy competitive rates and terms.

Do you really offer guaranteed credit approvals?

YES! We finance your present situation, not your past. We work with first-time buyers and those with low credit, no credit, prior bankruptcy, prior repossession, and self-employed individuals. We have finance options to fit nearly every budget and credit situation.

What documents will I need for Guaranteed Credit Approval?

• A valid ID
• Your two most recent pay stubs
• Proof of checking, such as a recent bank statement
• Proof of residence, such as a current utility bill
• If you’re self-employed, your three most recent bank statements

How long will it take to get loan approval?

Complete our short online application, and you could hear back within minutes. Most of our customers drive their new vehicle home the same day they apply.

Will you report to the credit bureaus?

Yes, we report to all three credit bureaus. This helps build your credit score when you make timely payments.

Will you pull a credit report?

Yes, pulling a credit report is a way for us to verify your identity and protect both of us from fraud.

What are my payment options for the down payment?

We accept cash, wire transfers, and verifiable cashier’s checks. Limits on credit card transactions; please ask the salesperson. We do not accept business or personal checks.

Can I use my current car as a down payment for the new one?

We will consider a trade-in if we feel there is a market for the specific vehicle. The decision to accept a trade-in is at the sole discretion of management.