Frequently Asked Questions
CAN I GET APPROVED FOR A CAR IF I JUST GOT A NEW JOB?
Yes! All we need from you is a pay stub, proof of income or job verification to get you approved for an auto loan.
I FILED FOR BANKRUPTCY, IS MY CREDIT GOOD ENOUGH TO GET APPROVED FOR A CAR LOAN?
Although a bankruptcy can disrupt your credit for up to 10 years, it is still very possible to get approved for a loan. Keeping up with your car loan payments can also help you rebuild your credit to its full strength.
IF I AM CURRENTLY IN DEBT, CAN I GET APPROVED FOR A CAR LOAN?
Yes, from credit card debt to student loans to mortgage payments, our team will help you get approved for the car loan you need. We operate in an expansive network of financial institutions to get you the best terms for a new or used car loan, regardless of debt.
I JUST GOT OUT OF A DIVORCE, WILL I BE ABLE TO GET APPROVED FOR A CAR LOAN?
Regardless of any division of assets or separating of accounts, we can still get you approved for a quality car loan. Our team understands the credit difficulties often caused by divorce and we know how to work within the limitations of those issues.
IS IT BEST TO FIND A CAR FIRST BEFORE APPLYING FOR AN AUTO LOAN?
We recommend that you talk to one of our sales experts before applying for any loans. Our team will determine how much money you qualify for and pinpoint realistic options for you in real time. By defining your terms early, we help streamline the entire financing process.
HOW MUCH MONEY CAN I GET PRE-APPROVED FOR?
The answer to this is based on a number of factors, including your income, age and condition of the vehicle, and overall risk as assessed by the lender. All of this information is necessary to truly know your range. You can get pre-approved here.
CAN I USE MY TRADE-IN AS MONEY DOWN?
Of course! The money you earn from your trade-in can go toward your next vehicle. Get your trade-in appraised online now.
DO INQUIRIES AFFECT MY CREDIT RATING?
Yes. When a creditor pulls your info, it places an inquiry on it. Too many of these inquiries can have an overall negative effect on your credit score. Because of this, we are careful to not do more credit checks than are absolutely necessary.
CAN I USE A COSIGNER?
Yes. If you are not able to qualify for the rate or the vehicle you want, an established cosigner can help you out.
HOW ARE MONTHLY PAYMENTS DETERMINED?
Monthly payments are defined by your credit profile and the vehicle you choose to purchase. Newer vehicles with low mileage require higher monthly payments than older vehicles with lots of miles.
WILL MY NEW CAR COME WITH A WARRANTY?
Yes. All of our new vehicles are covered by our complimentary Lifetime Warranty. Click here to learn more about it.
SHOULD I BUY OR LEASE?
The answer to this all depends on your financial situation and your driving habits. Advantages of leasing include: lower monthly payments, less money down and the ability to upgrade to a new vehicle every time your lease is up. However, by buying, you can get better rates, have the freedom to pick the exact model and features you want, and enjoy no mileage limitations!
WE HOPE THIS HELPED! If your question was not answered above, please reach out to our team at any time. We are always happy to help our friends and neighbors achieve their automotive dreams.