FAQ

How do I get approved?

The first step is to fill out a credit application. Or you can visit our showrooms today and speak with our friendly credit counselor. To receive approval, each applicant must be able to prove his or her residence and income. After that, our underwriting department analyzes each loan for eligibility.

What if I have no credit?

We know you probably hear it often, but no credit really is no problem. Same thing with credit problems. We dont rely on your credit score to determine approval. We rely on your stability in your home and job, and your ability to pay based on your income. It's really that simple. We do pull your credit bureau, but only to rule out identity theft.

Will this help build my credit?

ABSOLUTELY!! Our credit rebuilding program is geared toward the needs of the consumer. Our ultimate goal is to help you build a bridge to good credit and new car financing.

Do I have to have a down payment?

We offer many programs, and each situation is different. The best way to determine if you will require down payment is to fill out a credit application or visit our showroom today.

How much will my payment be?

Payment amount is determined by down payment and sales price, the same as most car dealerships. What we do differently is base your payment schedule around your paydays. That makes it easier for you to have the money available, and to make timely payments to help build your credit.

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