Frequently Asked Questions

 

What if I'm Self employed?
Being self employed in most cases is not a problem.

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What if I have a trade in?
Trade ins are welcome - running or not. If you owe money or have clear title we can help.

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What if I have a repossession?
Many of our customers have had repossessions in the past Our business Is helping you re-establish your credit.

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What if I have a bankruptcy?
Whether it’s a discharged chapter 7 or an active chapter 13, we have many lenders that specifically specialize in auto loans for people who have this specific need.

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What if I don’t have money to put down?
We have many programs that either allow you to put Zero Money Down, subject to credit approval.

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What is my interest rate?
Interest rate is determined by the lender. In short, the greater the risk they feel exists the more interest rate they will apply. However, in Most States the law protects the consumer with a maximum interest rate of 17.95% on all 2001 and newer vehicles.

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What if I'm Disabled or on Social Security?
Being on disability does not hinder your ability to obtain financing. As far as Social Security goes, Who could argue that you have a pretty secure income

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How much income must I have?
The usual minimum income required is about $1,800 per month, but varies from lender to lender.

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Do you report to the major credit reporting agencies?
All of our loans are 100% bank financed and payment history is reported monthly.

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What if I'm a first time buyer?
We have many programs for first time buyers.

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What if I'm upside down in my trade?
In most cases we can get a little extra help from the bank to overcome negative equity.

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How much will my monthly payment be?
This is determined by several factors; Amount of purchase, interest rate, term and down payment.

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