The amount you may be pre-approved for depends on several factors, including your credit profile, income, existing obligations, and the vehicle you are considering. We use specialized technology to evaluate these factors and determine an appropriate loan amount.

Yes. Your trade-in may be used toward your down payment. However, if there is an outstanding lien or loan balance on the vehicle, additional money may be required depending on the amount owed and the vehicle's value.

A co-signer may be considered if you do not meet all of the applicable credit requirements. However, the primary buyer's income must meet the required income and budget guidelines without relying on the co-signer's income.

Monthly payments depend on your credit profile, the amount financed, the vehicle you purchase, the interest rate, and the loan term.

A very good question for which there is not a direct answer. Rates are based on your credit profile and the equity position of the loan. We will get you the best rate based on your credit profile. The higher your credit rating and down payment the lower your rates will be. Also, the model year of the vehicle plays an important role.

If the repossession was not included in a bankruptcy and there is still a balance on the account, you can still pre qualify. Greater money down requirements will apply and vehicle selection will be limited to newer cars that are still under factory warranty.

Yes. Applicants currently in Chapter 13 bankruptcy may still be eligible for an auto loan. The pre-approval process can be completed as quickly as the process for a Chapter 7 applicant, depending on the circumstances.

We offer several First-Time Buyer Programs designed for individuals who have limited or no established credit history.

No. Our auto loans can only be used to purchase vehicles from participating dealerships with an Auto Loan Center onsite. Each participating dealership is carefully screened for vehicle quality and customer service. This process helps ensure that customers are purchasing dependable vehicles. Private-party purchases are not eligible because we cannot independently verify the condition, quality, or dependability of a vehicle being sold by a private owner.

We use state of the art technology that evaluates your credit profile, available inventory, income, as well as debt factors. Our process ensures that each application has the best possibility of approval prior to submission.

We recommend that you consult with one of our auto loan specialists first. They can determine how much you qualify for before you start shopping. This method will increase your chances of approval and decrease the number of inquires on your credit report.

There are no minimum qualifications to pre qualify! Each auto loan application is evaluated based on the credit profile and equity position. An applicant with previous good auto credit, for example, may not have to meet income and job time requirements; whereas an applicant with a recent repossession would.