Yes! Our team has lots of experience in Vehicle Financing and have worked with all types of credit. Getting approved is not only about your credit, it also considers your employment history, other debt obligations, etc… Having bad credit might just mean we will require a few more documents and your approval terms might be slightly different than those of somebody with excellent credit. If you have bad credit, but no debt, and a full-time job longer than 3 months you can still get a great approval.

Yes! Whether your credit is bad or even good but lacks credit history, financing a car is an easy way to start showing banks you are trustworthy with a loan, therefore improving your credit score. It is important that you only buy what you can afford and always make sure your car payments are made on-time. If you work with us, we will make sure you are approved for the right vehicle and develop a payment plan to exponentially improve your credit. Rebuilding credit is very important and can help you get approved for other needs in the future, like buying a house. Please speak with one of our financial advisors to get more details about how we can help you and get you into your next vehicle.

This depends. Your approval will decide what vehicle works for your budget. We cannot always guarantee you will get the exact vehicle you have in mind if the approval does not allow it. Sometimes a lower approval may require an older year or different make/model than you intended. However, a higher approval can also mean we could get you in something newer or better than what you thought. Approval is the first step in financing a vehicle.

Payments will be different for everyone, because everyone’s situation is different. It is not up to us to decide what your monthly or bi-weekly vehicle payments will be but it is our job to collect everything we will need and represent you as best as possible. We do work very hard to make sure you get the lowest and most flexible auto loan approval based on your personal financial and credit history.

The vehicle payments listed on our website are On Approved Credit (O.A.C) and therefore based on specific terms that may not necessarily be the same for everyone. The listed payments will be different based on the sale price of the vehicle, the year of the vehicle, how long this vehicle can be financed for, banks financing fees, and a specific interest rate selected. To estimate your payments please speak with one of our financial advisors.

It depends. Some customers have been approved for an Auto Loan the same-day and other applications can take a little longer. You can help speed up the finance approval process by providing all the required documents as quickly as possible to our team. However, without some important documents that we have requested from you the approval cannot move forward until we have received them. We work endlessly to get you approved. So help us do it as fast as possible by being easy to communicate with, providing all documents as soon as possible, and being honest on all documentation.

In any scenario having a great co-signer has the ability to drastically improve an auto loan approval. Co-Signers are considered beneficial for risk-allocation, meaning it is less risky to lend to 2 people than just 1 because if a payment is missed there is a great chance the second person will be able to cover the payment. Therefore, if your Co-Signer has great credit and financial history your approval can be 10x better. If you only buy what you can afford and plan on making full payments on time, there is no risk to your co-signer in helping you get approved.