Frequently Asked Questions

Q:What happens once I complete the auto finance application?

A: Once you complete our simple online auto finance application, your information is sent to our direct auto financing partners first. If approved, they’ll contact you directly and walk you through the process of finalizing your auto financing. If not approved,we’ll refer your application to the credit processor at one of our participating auto dealers.

Q:What is the interest rate on my car loan?

A: Interest rates vary depending upon a number of factors, including your car loan amount, your credit report information, and the type of vehicle you select. Upon the completion of your auto loan application, and if approved, a credit processor will contact you and provide specific details regarding your interest rate, monthly payment, loan amount and other loan terms. You are under no obligation to accept any car loan terms offered to you.

Q:Will I need a down payment on my car loan?

A: That depends on who ultimately approves your car loan. If you have good credit, you may be able to get auto financing with little or no money down. If however, you've had some credit problems, you’ll most likely be required to have some type of down payment usually equal to 10% of the selling price of the car or $1000 – whichever is higher.

Q:What type of vehicle can I purchase?

A: That depends on who approves your car loan application. If you get approved for an auto loan through one of our direct auto finance partners, you can go to any franchise auto dealer in your state to buy a car. If however, you get approved for a car loan through one of our participating auto dealers, you’ll need to purchase a car from them – but remember, our participating auto dealers have a great selection of new and pre-owned cars, trucks, minivans, and SUVs for you to choose from.

Q:How fast can I get my car?

A: Most auto finance companies are able to process a car loan application either instantly, or minimally, in less than 24 hours. Be prepared to provide any needed documentation like proof of income, car insurance or other stipulations required by the lender. In most instances, our customers are able to purchase a car with 24-48 hours from the time their application is processed.

Q:What if I have a low or no credit score?

A: Bad Credit, No Credit, No problem. We understand, not everyone has perfect credit. Our direct auto finance partners and participating auto dealerships specialize in providing car loans to people who have had past credit problems.

Q:Is the info I provide secure?

A: Absolutely. Any info you provide to us is protected by encryption and security technologies. Your information will only be disclosed in accordance with our Privacy Policy and/or to those entities necessary to process your auto financing.