Auto Financing Questions
What credit score do I need to get approved?
We work with all credit types! While many lenders require a credit score of 650+, we specialize in helping customers with credit scores as low as 400. We look at your overall financial picture, not just your credit score.
How fast can I get approved?
We typically reply within minutes during business hours. At times, it may take up to 24 hours. If delayed, call us anytime for quicker assistance.
What information do I need to apply?
You'll need basic personal information (name, address, phone), employment details (employer, job title, income), housing information (rent/own, monthly payment).
What's the maximum loan amount you offer?
We can finance vehicles up to $50,000 depending on your income and creditworthiness. Most of our loans range from $8,000 to $25,000, which covers the majority of reliable used vehicles.
Do you offer refinancing for existing auto loans?
We may be able to lower your monthly payment. Contact us to discuss your current loan situation.
Can I apply if I'm self-employed?
Absolutely! Self-employed individuals are welcome to apply. You may need to provide additional documentation such as bank statements or tax returns to verify your income.
Do you report to credit bureaus?
We do not report to major credit bureaus.
What happens after I'am approved?
Once approved, we'll schedule an appointment for you to visit our dealership. You can browse our inventory, complete the paperwork, and potentially drive home the same day. We'll also help you with insurance and registration.
Car Selling Questions
Do you buy cars that aren't running?
Yes! We purchase vehicles in all conditions - running, not running, damaged, or in need of repair. The offer amount will reflect the vehicle's condition, but we're interested in most vehicles.
How do you determine the value of my car?
We use current market data, vehicle history, condition, mileage, and local demand to determine fair market value. Our experienced appraisers consider all factors to provide competitive offers.
How quickly can I get an offer?
Most customers receive an initial offer within 2 business hours of submitting their vehicle information. If you include photos, we can often provide more accurate offers even faster.
Do I need a title to sell my car?
Ideally yes, but we can work with various title situations including lost titles, lien situations, and in some cases, vehicles without titles. Contact us to discuss your specific situation.
Is there any obligation when I request an offer?
No obligation whatsoever! Our offer process is completely free, and you're under no pressure to accept any offer we provide. It's simply information to help you make an informed decision.
Can I sell a financed vehicle?
Yes, we can purchase vehicles that still have loans on them. We'll handle the payoff process with your current lender and provide you with any remaining equity.
What paperwork do I need to sell my car?
You'll need the vehicle title (or lienholder information), a valid photo ID, and any service records you have. We'll handle most of the paperwork for you.
Do you offer trade-ins if I'm buying a car?
Absolutely! If you're purchasing a vehicle from us, we offer competitive trade-in values that can be applied directly to your down payment or used to reduce your loan amount.
How long is my offer valid?
Our offers are typically valid for 7 days, giving you time to consider your options. Market conditions can change, so we recommend accepting offers promptly if you decide to sell.
Can I sell multiple vehicles?
Yes! If you have multiple vehicles to sell, we can evaluate each one separately and provide individual offers. This is common for customers who are downsizing or clearing out unused vehicles.