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***FIND OUT IF YOU ARE APPROVED BEFORE COMING TO THE DEALERSHIP!!!***
You can fill out a full application by clicking below
-If already filled out application and you were approved and want to upload documents now then do here
-If salesman/finance requested documents then do here
-If you need to attach insurance info or any other misc document you can do that here also
*This is a full application-won't have to fill out another one when come in
*Once we get the application we will be able to tell you if you are approved or not or what it would take to get you approved if anything
*At the end of the application there is a button to upload files. If you wish (not required) you can upload a recent paystub for income verification for us which would help for a more complete approval. You could also upload copy of drivers license and proof of residence like a bill with your name
*If you don't want to attach any documents that is fine. We can still give you an answer on an approval but if you are approved you will need to bring in recent paystubs, drivers license and proof of residence when you come in. So if you wish to do at end of application you can or you can just do when come in or you can attach them later below in next section.
WHAT ARE YOUR QUALIFICATIONS?
QUALIFICATIONS FOR LOW DOWNS
Everyone's situation is different and it's hard to say who will qualify and who won't for the low down until we look at an application and credit. However, below if you meet these guidelines 95% of the time you will be approved for our low advertised downs
1) No more than 1 repo in last 5 years.
2) Income over 2500
3) Low beacon ok
4) No more than 1 bk in last 5 years
5) On job over 1 year
6) At residence over 1 year
7) Current on utility bills, cell phone bills
8) No excessive recent charge offs and unpaid bills
THE STRONGER YOU ARE ON THE ABOVE FACTORS THE HIGHER THE CHANCE OF APPROVAL FOR A LOW DOWN.
Again, you don't necessarily have to meet all those factors above for low down but those are more definite factors.
Don't be discouraged. You still may meet qualifications for low down or may need a little more to put down. You could also try a co-signer such as parent, spouse, fiance, etc.
If we can't get you approved with a low down then we might ask for $1000 to $1500 which is still very low for a vehicle or a better co-signer if you want to stay with the low down.
40% OF APPS WE LOOK AT QUALIFY FOR LOW DOWN
20% QUALIFY FOR $1000 TO $1500 DOWN
20% QUALIFY FOR $1500-$2000 DOWN
10% NEED $2000 OR MORE
10% JUST CAN'T FINANCE RIGHT NOW AT ALL
ABOUT 1% OF THE APPS WE LOOK AT ARE FRAUD-FAKE SOCIALS, FAKE PAYSTUBS.
***BE HONEST*** DON'T COMMIT FRAUD***
We do our own financing so be honest about your situation. No reason to lie or use false documents or false socials. We will find out and do have ways to verify. Best thing to do is be honest about your situation even if you don't think you will be approved because of it. That's the great thing about our own financing is we can be more flexible with certain situations since everyone is different. We have tools and services to verify everything and it will be an automatic turn down. Be honest and let's see if we can work with your situation. You may be surprised that we could even if other dealers are saying otherwise!