Frequently Asked Questions

Does it cost me anything to fill out this application?

No! There is no cost to fill out our online car loan application. There is no risk or cost to you.


“What if my credit is really bad?”

Sometimes things happen in life that affects our credit in a negative way. We understand that every person and every situation is unique. We believe everybody deserves a second chance. Most of us have experienced hard times leading to a low credit score but that does not make us bad people! No matter what your credit situation is, we will find a way to get you an auto loan!

“If I apply – does that hurt my credit?”

When you apply for any loan it does affect your credit rating. Some companies will send your application to all of the banks “hoping” one will approve you. This means your credit is pulled 5-10 times which is not good! We do not do this! After carefully reviewing your information, we contact you, find out the details of what has happened in the past so as to submit you to a auto finance lender that will approve you!

What happens to my information?

Your personal Information is 100% Private! We do not share your personal information with anybody! Unlike other auto loan services, we are not in the business of selling or sharing your personal information with any other firm or entity.

Immediately after you submit your online application, we receive an email informing us you have done so. We then contact you by phone or email to review your application carefully and present it to the auto finance lender whom is most likely to extend you credit in your situation. We never pull your credit report before contacting you and discussing all options.

Other lenders have turned me down…

That’s no problem. We have lenders that can deal with any situation. We cannot guarantee terms and conditions but we will explain what you need to do to get approved. In every case, we will guide you and explain what’s required.

“How much of a down payment will I need?”

It’s all based on your credit and vehicle of choice. We have zero down options available for qualified applicants.

“What do I need to apply?”

You must be at least 18 years old for an auto loan.