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Financing Facts

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Automotive Finance Facts

Why get pre-approved financing?

Getting pre-approved for a car loan is a great way to get behind the wheel of your next car quicker. We have developed an online loan application to save you time and money. By having you enter your basic personal and financial information, we can limit the number of personnel needed to process your loan and increase your privacy. Instead of asking potential lenders for a precise amount, we will first negotiate for you the maximum amount they are ready to lend you for your next vehicle. Based on your credit score and financial history, you will be presented with a form of blank check and you’ll be ready to shop. You will of course have the option to use all or only part of the amount.

 

Can buying a used vehicle really help me re-establish my credit?

 

Yes, when checking with the credit bureau, many lending institutions look at automobile loans closer than any other type of loan (other than mortgages) to verify your credit standing. Secured credit cards are no help at all - you are really borrowing your own money with the glory of having a piece of plastic in your wallet. Buying a car from a "buy here, pay here" lot that does not report to the credit reporting agency is simply not very smart because it does not reflect on your credit record.

 

Why does it work?

 

How can I finance a vehicle with my less than perfect Credit? Some people with bad Credit avoid financing a vehicle. Because lenders review credit reports and scores before granting a loan, you might believe that getting approved is impossible with your current credit standing. However, this is quite the opposite. In fact, because auto loans are "collateral" loans, these are easier to qualify for than other types of loans. True, you may be penalized for having a bad credit history. Nonetheless, obtaining an auto loan is really the perfect solution for boosting your credit rating. Also, you always have the option of refinancing the loan once your credit improves. So the smart choice and the intelligent way to go is to rebuild your credit with a car loan and we'll show you how!

NO MONEY DOWN and NO PAYMENTS FOR 6 MONTHS o.a.c.

Looking for a Used Car Loan? With over 23 years of experience, WE NOW FINANCE EVERYBODY;

Good Credit, Bad Credit, No Credit You are Approved!