If you have a job that can be verified, and if you are not currently involved in a bankruptcy, then your chances of approval are very good.

20 percent down on a car loan, could get you affordable interest rates and monthly payment options that could save you money over time.

Usually the same day or within 24 hours.

Credit decisions and loan approvals are based on the information you submitted in your application and a review of your credit report. We do our best to ensure one of our dealers contacts you within 24 hours, but it may take some dealers longer to verify and review your information. Response time may vary over weekends or holidays.

Depending on the lender, you may be required to include a copy of your current driver's license, proof of auto insurance, personal reference contact information, and a pay stub with current year-to-date earnings.

Yes, but your current employment, credit and financial situation needs to be reviewed in order to see if you would qualify.

Most lenders will finance used cars, and sport utility vehicles. However, some lenders have specific restrictions or will not finance certain models. For instance, most lenders will not finance conversion vans or luxury sports cars, or vehicles that have been salvaged or repossessed. We will work with one of our dealers to review your own situation and requirements.

Lenders will look at the length of time you have been at your current place of employment, as well as the year-to-date earnings on your pay stub. Applying today is the best way to find out if a lender will approve you for a loan, as employment requirements will vary depending on the lender.

Income requirements will vary by lender.

Maybe. In all cases, Chapter 7 or Chapter 13 bankruptcies must be discharged or dismissed before you can apply for an auto loan. If your bankruptcy has been discharged or dismissed, you can apply.

Yes. We have dealers that specialize in these situations. We may be able to help you find an auto loan when other lenders have turned you down.

Of Course. We encourage you to apply for an auto loan before you buy for a couple of reasons. First, when you walk into the dealership with an auto loan approval in hand, you will have the negotiating power of a cash buyer. More importantly, you will know how much you can afford. The combination of your auto loan amount and down payment amount will approximately equal the purchase price of the vehicle you are able to buy.

Restrictions will vary based on the lender. Please contact us to discuss your options.

If your vehicle is worth more than the remaining loan balance, you have what is called "positive trade equity." This equity can be put towards your down payment or used to reduce your loan amount. Work with one of our dealers to determine your specific requirements. If you owe more than the value of the vehicle, which is called "negative equity" or "being upside down," you will want to talk to one of our dealers.