Do you provide Title Loans?
NO. We only offer auto loans for the purchase of a new or used vehicle.
What if I’m Self employed?
Being self employed in most cases is not a problem. Complete the application form and we will get back to you with details on what we can offer.
What if I have a trade-in?
Trade-ins are welcome, even if they are not in running or functional condition. If you owe money, or have a clear title, we can help you into a newer vehicle.
What if I have a repossession?
Many of our customers have had repossessions in the past. Our goal is to help you re-establish your credit.
What if I have a bankruptcy?
Whether it’s a discharged chapter 7, or an active chapter 13, we have many lenders that specifically specialize in auto loans for people who have this specific need.
What if I don’t have money to put down?
We have many programs that allow you to put Zero Money Down, subject to credit approval. Complete the application form and we will see what you qualify for.
What is my interest rate?
Interest rate is determined by the lender. In short, the greater the risk they feel exists, then the more interest rate they will apply. However, in most States the law protects the consumer with a maximum interest rate of 5 to 24% depending on where you live and where the lender is based. For example, in West Virginia this is usually no more than 18%, and in Virginia the maximum is typically 12% as of 2024.
What if I’m Disabled or on Social Security?
Being on disability does not hinder your ability to obtain financing. As far as Social Security goes, who could argue that you do not have a pretty secure income.
How much income must I have?
The usual minimum income required is about $1,500 per month, but varies from lender to lender. Once we look at your credit history and finances, we can provide you a definite answer.
Do you report to the major credit reporting agencies?
Yes. All of our loans are 100% bank financed, and payment history is reported monthly.
What if I’m a first time buyer?
We have many programs for first time buyers, and look forward to helping you get into your first vehicle!
What if I’m upside down in my trade?
In most cases we can get a little extra help from the bank to overcome negative equity. Every person is unique, so complete the application form, and we will see what can be done to get you right side up again.
How much will my monthly payment be?
This is determined by several factors; Amount of purchase, interest rate, term and down payment.
Have a question we did not answer? Click on our Contact Us link and we will get back to you as soon as possible!