Frequently Asked Questions
How long does it take to hear back from the dealership?
Within an hour in most cases. However, in today’s economy the number of people with bad credit that need a car is on the rise; so it may take up to 24 hours. If you do not hear back within 24 hours please contact us immediately.
What types of vehicles does your service offer?
You may qualify for any type of new or used car, but we cannot help with old classic collector cars.
How much does your service cost?
Our service is absolutely free, and there is no obligation to purchase a vehicle or finalize your loan.
What are the interest rates on the auto loan?
Interest rates are always determined by the lender who ultimately finances your auto loan. Rest assured our authorized dealerships always work diligently to secure the most competitive rate for your credit profile. Also, please bear in mind the age of the vehicle you choose may also be a factor. Generally, the newer the year of the car the lower, the lower the interest rate.
Is it possible to get a car loan with bad credit?
Yes! That’s what we do best! Our bad credit car dealerships are special finance experts that work with a variety of sub-prime lenders that specialize in the worst credit situations. Their long-term working relationships give you the very best chance of getting approved for your car loan.
Can a car loan fix my credit?
Absolutely! Car loans, like home loans are “Installment” loans, are one of the best ways to fix your credit. Paying your car loan on time every month shows good and steady payment history.
Is my information safe when I submit my application online?
With us yes. Our site is stringently tested daily by Go Daddy. Your private information is always safe with us, and is encrypted using a 256 bit security certificate when we transmit your application to our authorized dealerships. At a bare minimum we strongly advise that you do not start an application on any site where you cannot see the https:// in the address bar.
Do you pull my credit?
No, we not run a credit history report. Our dealerships may, but most will not until they speak to you on the phone or in person.
Why do you need my Social Security number?
Your social security number is required by our authorized dealerships as a fundamental part of the auto loan application process.