Q. Do I qualify for a loan for a used or new car?

A. Here are some basic guidelines to keep in mind when applying for a new or used car loan:

• Resident of US or Canada
• 18 years of age or older
• Income of $1,500 monthly BEFORE taxes are taken out
• If you have had a chapter 7 bankruptcy, the 341 Meeting of Creditors must be completed
• If you have had a chapter 13 bankruptcy, an Authorization to Incur Debt must be in place
• No repossessions in the last 12 months on your credit report
• Choose a vehicle from our network of local auto dealers in your area (No private party sales.)

If you have a job that can be verified, and you are not currently involved in a bankruptcy, then your chances of approval are very good.

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Q. How can buying a used car actually help my credit?

A. Buying a used car is a great tool for improving bruised or damaged credit. By qualifying for a loan through our lenders you are getting another chance to re-build your credit. By routinely making your loan payments on time you are establishing a reliable credit reputation.

Auto loans are great method of improving your credit because they are looked at more closely than many other loans for assessing your ability to make good on a loan. Our lenders routinely report your positive efforts to credit reporting agencies.

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Q. I have been turned down repeatedly, can you help?

A. Our easy to use online application is the most complete application process available. The data you provide will give finance managers a bigger picture of your credit situation. With this information our finance managers are able to find a lender that matches your needs. Rather than just send you to a lender that will most likely not approve your situation, we take the time to pair you with a lender that is equipped to handle your credit.

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Q. OK, I have applied...Now what?

A. Once you have applied for an auto loan through us, you will receive notification indicating whether you've been approved or not and which dealers in your area participate in the program you have qualified for.

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Q. Can I get a loan through here for a car on Craigslist?

A. No, our lenders are indirect lenders and do not fund private party purchases. Indirect lenders only lend money to people who are buying cars from dealers in their lending network.

Click here to Calculate an Estimated Approval Amount

Q. I found a motorcycle, can you approve me on that?

A. Sorry, we do not finance motorcycles, ATV's or recreational vehicles.

Click here to Calculate an Estimated Approval Amount