Auto Finance Car Loan Center Frequently Asked Questions (FAQ's)

The down payment amount that you will need is based on a number of factors. Generally, the down payment will be determined by the risk of the loan and value of the automobile. Although, many times no down payment is necessary.

Yes! However, additional cash may be required if there is a lien on the automobile that you are trading.

The typical special financing auto loan is for a new, one year, or two year old car with less than 50,000 miles.

If you're shopping around for a different vehicle, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted negatively by creditors. For this reason, too many inquiries can actually make getting an auto loan more difficult.

There are no minimum qualifications! Each auto loan application is evaluated based on the credit profile and equity position. An applicant with previous good auto credit, for example, may not have to meet income and job time requirements; whereas an applicant with a recent repossession would.

If the repossession was not included in a bankruptcy and there is still a balance on the account, we can still help. Greater down payment requirements will apply.

Yes, absolutely! As long as the bankruptcy is discharged.

Unfortunately all Chapter 7 and 13 bankruptcies need to be discharged to qualify for financing.

Yes! We have First Time Buyer Programs.

Our secret weapon is Julie Barton. She is our Finance Director and has been specializing in this type of financing for over 20 years! She has many repeat and referral customers; along with lots of testimonials and references to share if you’d like. She has excellent relationships with all of her lenders and knows how to structure a deal given different challenging situations. She looks out for and is extremely protective of her customers-which is badly needed in this environment and unfortunately, rarely seen.

No. We have perfected a unique way; that is by far, a more pleasurable way of doing business. No more nail-biting while you wait days only to be disappointed! Call us at 800.850.1096 and we’ll be happy to explain the process.

Rates are based on your credit profile and equity position of the loan. We will get you the best rate based on your credit profile. The higher your credit rating and down payment the lower the rate will be. The age and miles of the vehicle may also play a part in determining your rate.