Finance FAQ

Financing FAQs

Frequently Asked Questions

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I JUST STARTED A NEW JOB, CAN I GET APPROVED FOR A CAR?

The answer is yes. All that our sales specialist needs from you is a pay stub, proof of income or job verification and we will work with you to get you approved for an auto loan.

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I FILED FOR BANKRUPTCY, IS MY CREDIT GOOD ENOUGH TO GET APPROVED FOR A CAR LOAN?

Although a bankruptcy could stay on your credit for up to 10 years, you can still get approved for a car loan with our help. It can also help you rebuild your credit score.

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CAN I GET APPROVED FOR A CAR LOAN IF I AM IN DEBT?

Yes, whether you have credit card, student loans, or a home mortgage, our sales team is qualified to get you approved for a car loan. We work with numerous financial institutions on a daily basis that understand high debt circumstances so we are still able to get customers approved for a new or used car loan regardless of debt.

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I JUST GOT OUT OF A DIVORCE, AM I ABLE TO GET APPROVED FOR AN AUTO LOAN?

Despite any division of assets or accounts, we can still get you approved for an auto loan. Our sales team works with divorcees on a daily basis and we understand the credit difficulty that a divorce can cause. We can get you approved for a loan that fits your new lifestyle and readjusted finances.

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SHOULD I FIND A CAR FIRST BEFORE APPLYING FOR AN AUTO LOAN?

Our Sales Associates recommend you talk to one of them first. We can determine how much you qualify for and pinpoint realistic options for you and your financial situation! The better you determine what your market will be, the better chance you’ll have at being pre-approved with no worries.

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HOW MUCH CAN I GET PRE-APPROVED FOR?

This is based on things like your income, age and condition of the vehicle, and the overall risk assessed by the lender. We will need these documents to truly know your range. You can get pre-approved here.

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WILL MY TRADE-IN QUALIFY AS MONEY DOWN?

It will! You can put your trade-in money towards your next vehicle. Get your trade-in appraised online now.

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WILL INQUIRIES AFFECT MY CREDIT RATING AT ALL?

They can, yes. When a creditor pulls a report, it places an inquiry on it. Too many inquiries can have negative effects on your credit score. For this reason, we are very careful as to not do credit checks any more than we have to.

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WILL COSIGNERS HELP?

They can! If for any reason you don’t qualify for the rate or the vehicle you want, an established cosigner can help with the process and get you behind the wheel of your dream car.

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WHAT WILL MY MONTHLY PAYMENTS BE?

Monthly payments are determined by your credit profile and the kind of vehicle you’re purchasing. Newer, low mileage vehicles will be higher in monthly payments, whereas less expensive cars with more miles will have lower monthly payments. It all depends on what you want and what you can afford.

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DO NEW VEHICLES COME WITH A WARRANTY?

Yes, every new vehicle we sell is covered by our complimentary Lifetime Warranty. To learn more about the specifics of our Lifetime Warranty, click here.

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SHOULD I LEASE OR BUY?

It all depends on your financial situation and how you drive on a day-to-day basis. Some advantages of leasing are having lower monthly payments, less money down, and the ability to upgrade to a new vehicle every time your lease is up. When buying, you can get better rates, the ability to pick exactly what you want, and have no mileage limits! Read our Buy or Lease Page here.

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DO YOU OFFER DISCOUNTS?

We do! We always have new car specials, pre-owned specials, and service and parts coupons. We are constantly updating our specials, so make sure you check back frequently!

WE HOPE THIS HELPED! We hope this helped! If you have any questions, please contact us. Our team will be more than happy to help.