Frequently Asked Questions
How much does it cost to apply?
There are no charges to fill out an application. Upon your approval and purchase a vehicle, we will earn a commission.
Will my application affect my credit rating?
Every time you apply for credit or a loan it affects your credit rating. We select the lenders that review your application to protect your credit rating.
What happens to my application?
We review your application and decide which lender is most likely to extend credit to you. We will discuss your financial situation with you prior to requesting your credit report.
How much will I qualify for?
We can determine the amount you can qualify for by careful review of your application.
Each credit application is reviewed with the applicant in mind and we work hard to successfully qualify each applicant based on their own financial situation.
What type of car can I purchase?
The type of car that can be purchased will be determined by the amount of your loan approved by the financial institution.
How much down payment will I need?
The down payment will be determined by the purchase for which you qualify. A larger down payment will lessen your monthly payments.
Can I use my trade for a down payment?
Yes, you can use your trade for a down payment.
What will my monthly payments be?
Your monthly payment will depend on many factors. The price of the car, interest rate, length of loan, and your down payment are a few factors.
What are the interest rates?
The interest rate depends on your personal credit history.
What if I have really bad credit?
If we cannot locate a financial institution to give you a loan, we will tell you what steps to take to improve your credit to get approved.
I have been refused credit before...
We may have lenders that will agree to work with you. If unable to find a lender we explain what you need to do to improve your credit to get approved.
My car was repossessed less than a year ago. Will I still qualify?
Applicants have been qualified with repossessions on their record.
I've had a bankruptcy. Will I still qualify?
Applicants have been qualified for financing with a bankruptcy in their past.
I haven't been discharged from my bankruptcy. Will I still qualify?
Applicants have been qualified for financing even though they have not yet been discharged from their bankruptcy.
I don't even have a credit card. Will I still qualify?
Applicants have been qualified for financing without having previously established credit.
Will having a co-signer help me qualify for a loan?
Yes, qualified co-signers may help a financial institution to approve your loan.
Privacy of Personal information
We do not share your personal information with anybody without your consent.