HOW TO GET FINANCED WITH US
Make sure to check with the Dealership before you make that long drive. We want to make sure your visit goes smoothly and you are here in time to roll that day. Contracts are done by appointments.
We offer a great selection of quality pre-owned vehicles, a FREE In-House limited drive train warranty on every vehicle financed 3 month/3000 miles, clean titles, FREE car fax, and flexible payments to fit your budget. Our popular In-House program has been getting people rolling for over 23 years. We specialize in helping people with bad or no credit. We understand life happens and everyone deserves a second chance. We are not a credit score based company, we look at your paper-work. Stop in and check out our ever changing inventory and let us help you get into your next pre-owned vehicle.
Every customers situation and needs are different. We try to keep that in mind and we will do our best to get you rolling!! WE PULL CREDIT but WE ARE NOT CREDIT SCORE BASED! You will need several of these items but not all!!
- You will need a current Texas driver’s license . You will need to have lived in Texas for at least 2 years.
- Proof of applicant’s income (ALL) and an income of at least $2200.00 a month take home or more, per household, depending on dedt to income . And on your job at least 6 months or more. (Student loan and food stamp money is not income).
- References at least (6) all six must be at different addresses and working phone number.
- You will need to fill out our application.
- 2 utility bills (phone, cable, electric, insurance, gas, internet, house insurance, water, ECT) with your name on it to your address post marked in the last 30 days and not behind on the bill.
- The down payment will need to be in cash (NO CREDIT CARDS or PRE-PAID CARDS for the down payment) and you will need to have all the down at the time you apply. If you do not have all the down you will need to come in and apply when you have it.
- You will need to have the correct comp/collision insurance/coverage or CPI/liability on your new vehicle before the deal can be finalized. If you dont have a TDL, we have the CPI coverage option for you, to make sure our vehicle is covered.
- You will need a lease/rental agreement showing current dates and at least 6 months with your name on it, or home owners paper work showing your name. Your address history must match what you tell us.
- You will need to have lived in Texas for 2 years or more.
- You will need a checking / pre paid account for at least 6 months.
- If you do not have one of these items, we may still be able to help, you will need 6 months bank statements not in the negative - and or 6 months full phone bill in your name. All information given to us must match and check out.
- If you have more than 1 open car loan, or your income is not enough to support it, we will not be able to help you.
- Our apr is 18% and we try not to go over 3 yrs max for the term of the note, keeping it short term finance. The down payments are set per vehicle, you may be asked for TT&L as well, as that goes to the sate for the sale and transfer, ect. The down payment does not change, unless you want to put more down, for payment flexability. You may be asked for taxes at time of sale. TT&L is not part of your downpayment for the car, its fees that go to the sate.
We look forward to getting you rolling today, and we will do everything we can to make that happen. We do not approve everyone, but we do our best!
If you do not have everything listed above we will need to sit down and discuss your situation so we can try and figure out a way to get you into that new pre-owned vehicle. We are willing to look at every situation as long as you are honest and upfront with us and can provide enough to make the deal happen. If your information does not check out, we will not be able to help you.
Once you have a vehicle with us, you will need to make your payments on time, we do not take partial payments to avoid repo or shut off. Payments will need to be paid on time, per your contract. Thank you for your understanding and we look forward to doing business with you!!!!!