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HOW IT WORKS
1) Fill out online application
If you wish you can submit some or all of your documents at the end of the application or submit them later or bring them in with you to the store.
2) Wait for phone call/email from salesperson
3) If approved or requested then bring in documents to the store or submit with online application or click submit documents anytime you want later on using the submit documents link or bring them in with you.
-Proof of income such as paystubs, bank statements, etc.
-Proof of residence like a recent piece of mail or bill showing your name and address
-Valid GA license
4) Come in and pick out a vehicle
5) Finance will go over loan with you
6) Get full coverage insurance
7) Sign the paperwork
We sell the vehicle as well as loan the money for the vehicle. This offers more flexibilty with credit and your overall situation.
We report to Equifax each month. Having an auto loan on your credit that is in good standing or paid off can be a huge boost to your credit score.
Most lenders that finance bad credit charge 22% to 30%. We are under 20% on all our loans. This translates into huge savings for you and lower payments or shorter term.
Most our loans are right around 4 years. Since our vehicles run under 19k and our interest rate is lower this allows a loan to be paid off quicker without having high payments.
The majority of our vehicles run from $500 to $2000 down and you can drive out for less and pay the rest within a month. That's pretty amazing! You don't need a large down payment to get into a quality vehicle. Our goal is to work with your budget on the vehicle you want and make a deal work for you.
If you don't have the full down payment that is required for you or the vehicle you are looking at then you can pay the rest within 30 days. Down payments are not set in stone either. Each deal will be customized to your needs and budget and a pick pay allows you to drive off for less down.
We have great rates and terms compared to most our competition which can mean big savings for you over the life of your loan. We also like to stay around 48 to 52 months and can do this and still have affordable payments because of our great rates. Make sure to compare us and it could save you big
All vehicles we buy are free of salvage, mileage altered and major damage. We then send to our service shop where it undergoes a full inspection and repair to get it ready to sell. We then tack on a awesome warranty in case there are any issues after you buy so not stuck with repairs.