I have a low credit score – can I still finance a car?
Yes, you can still finance. There are certain programs available for rebuilding credit, additional stipulations may be needed, trade of current open auto loans, or down payment. A credit score is not the most important factor for some banks, they will take a look at other factors, such as income and job history.
Can I reduce monthly car payments down?
Yes, we can guide you to refinancing a vehicle, although we cannot do that for you through the dealership. We may be able to trade you into a different vehicle to get your payments down. 12 payments made on time will increase your credit score and improve your chances of refinancing to a lower rate or trading your vehicle into something you weren’t able to get approved for before. We are happy to provide you with suggestions on who to talk to based on your situation.
Can I add a warranty?
Yes you can, on new and used. Warranties can be added to financing, or pay cash for warranty outside of the loan. Most lenders do allow extended loan for cost of warranty (all of our used cars have been through the shop for a pre-certification check to ensure the quality and safety of the vehicle. All of our cars are available for extended service contracts.
Can I still finance if I have no credit history?
There are certain programs that are available to people who don’t have a credit history. For example, first time buyers have access to special programs that are available based on more than just a credit score or no credit, but there may be more stipulations needed. We work with several different local banks and credit unions to get you into your dream car, no matter your financial situation.
If you have no credit or low credit, the difference is the dealer. We go the extra mile to sell you all a lifetime of cars. We will help you establish or reestablish your credit. When it comes to reestablishing credit, the difference is our people.