Q: What will my interest rate be? A: This depends on your credit history and current credit score. Banks determine the interest rate by the riskiness of their loaning you money, and their guarantee that you will pay them back. If you have always made payments on time, kept your credit limit to 50% of your DTI (debt to income) ratio and have high credit limits you are most likely considered "A paper credit"; this means you will have a lower interest rate and have an easier chance of getting approved by various banks. If you have any late payments, reposessions, charge offs, collections etc. you will usually have a higher interest rate then an "A paper" credit customer and . However, have no fear, we have a variety of different lenders that we will run your application through to find you an APPROVAL with the BEST deal for you. Q: What items will I need to finance my vehicle? A: We ask that our customers who are looking to secure financing through our dealer's lenders/banks that you bring the following items . . . (**If you cannot gather one of these items please call us or email us for a possible alternative) Driver's License Insurance Card or other proof of insurance *60 days paystubs (If W-2 employee) *90 days complete bank statements (If 1099 employee or self employed) Utlitity Bill (i.e. electric bill, gas bill, cell phone bill etc.) Q: Will I be able to drive off the same day as I come in? A: Yes! In most cases, if you have came in during business hours and have all of the items above with your down payment in hand, you will be able to drive off with your vehicle the same day. Q: What if I really like a vehicle, can I put it on hold? A: Yes! Absolutely! We offer deposit holds on our vehicles up to week. The minimmum amount you can hold a vehicle for is $500. Q: What if I have less than perfect credit (Reposessions, BKs, etc,) will I still be able to get financing for a vehicle? A: Yes! Fill out an online application and have one of our friendly sales staff members contact you. In most cases, YOUR JOB IS YOUR CREDIT!!!
