Frequently Asked Questions

How do I start the approval process?
Take a few minutes to fill out our online application. It is very short and should take less than 5 minutes. Once submitted, our loan experts will analyze your potential for different loan programs with our many nationwide lenders.

How long does the application process take?
Once you've submitted your application, you will be contacted promptly by the loan expert handling your request. The approval process takes anywhere from a few minutes to a few hours, but rest assured, we'll work hard to get you approved and get you the best possible deal.

What type of car can I buy?
In general, the car must be no more than 2 years old and must have less than 50,000 miles. Both new or pre-owned cars of any make or model are options.

I have bad credit and have been turned down before. Can I get approved?
Absolutely! Our experts have helped thousands of people get approved even after they have been turned down multiple times. Our process ensures that every application is given every opportunity to be APPROVED, so even those of us with poor credit can get approved fast and easy.

How much will I need for a down payment?
The down payment amount depends on several factors, but don't worry, it's part of the approval process and we'll work to ensure it is an amount that fits your situation.

Can I use my trade as the down payment?
It is an excellent idea to use your trade for the down payment. Depending on the value of the trade and the amount you owe on it, you may or may not need additional money down.

What do I need to qualify?
While some lenders or loan programs require additional information, most programs will require: driver's license, proof of insurance, proof of residence, YTD check stub, phone bill, electric bill, six references, and a down payment.

Can I still qualify if I have had a bankruptcy?
Yes! Fill out the application and we'll get started immediately or give us a call and speak to one of our loan experts.

Can I still qualify if I have had a car repossessed?
Most of the time the answer is still YES. Call now and talk to one of our loan pros to find out what options are available.