GUARANTEED CREDIT APPROVAL!
CLICK HERE TO APPLY ONLINE
(Please read below prior to filling out credit app)
I can help you with Credit Union financing, as well as alternative financing, if you have credit challenges.
Honestly, in the 29 years I have been in this business, I have found that most people know what kind of financing they will get approved for.
The credit unions are pretty much the same, and they want good credit to get approved. (If you have a good credit score, please call me and I will assist you with credit union financing...do NOT use the link above, that link is for credit challenged customers). If your credit score is around a 620-650 or higher I can get you approved with a local credit union with little to no money down. (please see "Down Payment" below to get an idea of what you will need as a down payment).
FIRST TIME BUYERS
I have a handful of credit unions that will finance "first time buyers". They require you to be on your job for at least 12 months and they generally want 10%-20% down of the out the door price. If you are a first time buyer and do not have the 12 month job history, I can still get you approved with "alternative" financing, please click on the link above to start the buying process.
DOWN PAYMENT (What to Expect)
Keep in mind, the lower your score, the more likely that the finance companies, both credit unions and alternative lenders, will want some "skin in the game/money down". Example: if you have a 620 or lower score, the finance companies will probably want $1,500-$2,000 down (sometimes more). If your score is over 700, most likely the credit union will require little to no money down.
I find that there are a lot of dealerships that advertise $500 down and will offer that to credit challenged customers...this is not 100% accurate! When you go to that dealership, they will have 1-3 vehicles to choose from that qualify for that program (none that you and I would ever purchase). The reality is, if you are credit challenged, you will most likely need $1,500+ as a down payment (sometimes much more... once again, it's based on each persons individual situation) to get in the vehicle that "you" really want. Either way, by using my finance companies, you will get APPROVED!!