FAQs (Frequently Asked Questions)

Q: Are auto loans available for individuals outside of the United States?
A: No. Our car loan service is available for US residents only at this time.

Q: What will I need in order to qualify for an auto loan?
A: In most cases all you will need is: Valid Drivers License, Proof Of Income, Proof of Residence.

Q: Can a first time buyer or someone with no credit qualify?
A: Of Course. There are car loan programs available to help you start establishing your auto credit.

Q: Can I buy a used car from a private party?
A: No. Our services are only available through our network of new and used car dealers.

Q: What type of vehicles are available?
A: New and used cars, trucks vans and SUV's are available at our dealerships.

Q: Will a large down payment be required?
A: Flexible down payment programs or deferred down payments are available in most circumstances.

Q: Can I get approved for an auto loan with bad credit?
A: Yes you can. Car loans are available for people with bad credit.

Q: I have had a bankruptcy. Can I still qualify?
A: Absolutely, loans are available, however, the bankruptcy must be discharged.

Q: Is it safe to apply online?
A: Your information is submitted over a Secure Loan Server, so it is absolutely safe. In fact, your information is actually safer being transmitted over a Secure Server than it is over a phone. Many cellular phones and radios can transmit and receive uninvited phone conversations.

Q: What is the charge for applying for a car loan through your service?
A: You will never be charged. This service is absolutely FREE.

Q: I didn't receive an auto loan approval notice or a phone call what is going on?
A: You probably did not complete the application. If all fields of the application are not completed your application will automatically be filtered out. Please complete the application completely.

Q:What are the interest rates for my car loan?
A:Your interest rate is influenced by several factors; the year model of the vehicle, the amount of your down payment, your credit history, and the term of your car loan.

Q:Why are you sending my application to a dealer in my area?
A:Most banks, finance companies, and credit unions will only loan money for a car or truck when there is a dealer involved. This is called an indirect loan. The dealer is there to "structure" the sale of the car to you. The dealer collects all of the necessary paperwork that the lender may need and then sends that information to the lender. Remember, over 80% of people buying cars today must go through this indirect process. We only work with the best dealers in your area to ensure a pleasurable experience.

Q:Do you offer re-financing?
A:Not at this time. We offer loans on new purchases only via our affiliate partners.

Q: How do I get started establishing or re-establishing my car credit?
A: Simply APPLY HERE