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Frequently Asked Questions

  • What is a credit score?
  • Will I need money down?
  • What If my own bank turned me down?
  • What if I owe more on my trade than it's worth?
  • What if I've been bankrupt?
  • What is a credit score?
    The formula for a credit score is fairly complicated. It is based on several major factors.
  • Will I need money down?
    Will you need money down? In a word, “No.” But that doesn’t tell the whole story. While money down on a car loan is not always necessary, it is always recommended. Why? That’s what we’re here for. So take a few minutes to learn what’s best for you and your situation. We’re sure it’ll save you a few headaches—it may also save you thousands of dollars.
  • What If my own bank turned me down?
    As a general rule local banks do not like to extend new credit to customers who appear to be struggling with their current debt loans. Unless you have some strong collateral ie/ home equity they will shy away from subprime loans and my even in some cases even call in some of your outstanding credit with them if they see that you are falling behind.
  • What if I owe more on my trade than it's worth?
    Because ALL vehicles depreciate most people who are currently financing and making the minimum payment will be backwards on their trade. This difference is called negative equity and for qualified buyers can be rolled over into the new finance application. If you don’t owe money on your trade you can use it as money down to reduce your payment.
  • What if I've been bankrupt?
    Bankruptcy presents a challenge to car loan approval, but it’s not an impassable barrier. Every situation is unique, from the cause of your bankruptcy to the extent of your debt. As we’ll explain, a car loan can be the perfect place to start rebuilding your credit, even if you’re emerging from personal bankruptcy. Here’s everything you need to know.

FAQs

What is a credit score?

The formula for a credit score is fairly complicated. It is based on several major factors.

Will I need money down?

Will you need money down? In a word, “No.” But that doesn’t tell the whole story. While money down on a car loan is not always necessary, it is always recommended. Why? That’s what we’re here for. So take a few minutes to learn what’s best for you and your situation. We’re sure it’ll save you a few headaches—it may also save you thousands of dollars.

What If my own bank turned me down?

As a general rule local banks do not like to extend new credit to customers who appear to be struggling with their current debt loans. Unless you have some strong collateral ie/ home equity they will shy away from subprime loans and my even in some cases even call in some of your outstanding credit with them if they see that you are falling behind.

What if I owe more on my trade than it's worth?

Because ALL vehicles depreciate most people who are currently financing and making the minimum payment will be backwards on their trade. This difference is called negative equity and for qualified buyers can be rolled over into the new finance application. If you don’t owe money on your trade you can use it as money down to reduce your payment.

What if I've been bankrupt?

Bankruptcy presents a challenge to car loan approval, but it’s not an impassable barrier. Every situation is unique, from the cause of your bankruptcy to the extent of your debt. As we’ll explain, a car loan can be the perfect place to start rebuilding your credit, even if you’re emerging from personal bankruptcy. Here’s everything you need to know.

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