•        Credit score below 620
•        Late payment history
•        Bankruptcy
•        Divorce
•        Repossession
•        Insufficient Income
•        Not enough time on the job
•        And many more!
Other factors that influence how easily you can obtain your to
auto loan
•        Whether or not you have a car to trade in
•        The amount of your down payment or lack thereof
•        Do you have a consignor if needed?
•        Do you owe more on your trade than it’s really worth?
You will need to be realistic about the used car you want to purchase. What can you really
afford to buy?  Keep in mind that this purchase is the first step in repairing less than perfect
credit and may require you to buy the best car for your budget and not your dream car.
                                         Easy as 1-2-3
1) Complete our credit application online and press “submit”.  Most people complete this in  
less than 60 seconds.
2) One of our helpful credit representatives will immediately*** call and verify your credit
information to pre-qualify you.
3) Meet with one of our finance managers to complete your loan and select your vehicle. It’s
that easy!
Once you have obtained the loan, remember, getting credit is an ongoing process. Making your
payments on time will help revitalize your credit rating and make your next purchase even
easier.
***Within normal business hours