Frequently asked questions
Short, honest answers. Whatever we cannot tell you here, a person will.
Can I apply with limited or no credit history?
Yes. We finance in house (buy here, pay here), so you do not depend on a bank or on your score. What we look at is your job: about 6 months or more at your current one and proof of income for the last 3 months. A person reviews your case and makes the decision.
What documents do I need?
For your visit: a driver license or photo ID, Social Security number or ITIN, proof of income (3 months), proof of address, your down payment and car insurance to drive off.
Is a down payment required?
Yes, and it depends on the car. Typically around $1,500; the exact amount is set by the person who reviews your case, based on the car you choose. We do not publish estimated monthly payments: you get the plan in writing, with your real numbers.
Do you take my car as a trade-in?
Yes. Tell us about your car (year, make, model, miles and condition) in the trade-in section and a person will get back to you with an offer.
Does applying guarantee approval?
No. No application, here or anywhere else, guarantees approval. This site will never tell you it is settled: a person makes the decision after reviewing your case. There is no automatic "no" either.
What happens after I apply?
An advisor texts or calls you on the channel you chose, reviews your case and your car, and sends you the plan in writing. Then you pick the day to come get it.
Approval and financing terms depend on lender/dealer requirements. Completing an application does not guarantee approval.
Have a car to sell or trade?
Tell us about it. No automatic estimates: a person reviews it and gets back to you with an offer.