Frequently Asked Questions

Q. What types of cars do you carry?
A. We carry all makes and models.

Q. Do I have to finance or can I choose to lease a vehicle?
A. You may choose to finance or lease your new vehicle.

Q. I recently came out of a bankruptcy- can I still be approved for a car loan?
A. Of course! Just after a bankruptcy is a good time to get a car loan because it will help to re-establish your credit. Our credit experts will get you approved and find a car loan to fit your needs.

Q. Can I still buy a car if I don’t have a driver’s license?
A. Yes, you can finance a car without a driver’s license, although you will not be allowed to drive it.

Q. Do I need to have money down or a co-signer in order to be approved?
A. We try to get you approved with no money down and no co-signer.

Q. I am currently in a lease- am I still able to get a car?
A. We will get you out of your lease and into a new car- regardless of what you owe.

Q. Is the car loan open-ended?
A. Yes, all of our loans are open-ended- that is to say, you can choose to pay the full amount at any time, without being stuck with the accumulated interest.

Q. What is the interest rate on a car loan?
A. The interest rate on a car loan can range anywhere from 0% to 29.9%. The interest rate is dependent upon a number of factors, your credit being the most important of all. The better your credit is, the lower your interest rate will be. This is because the bank deems it as a low risk loan. If you have not so perfect credit, the bank sees it as a higher risk loan and may ask for a higher interest rate.

Q. Will I be stuck with a high interest loan for the full term?
A. Absolutely not. If you make all your payments on time, we can make the necessary arrangements to payout the old contract and get a new contract setup at a much lower rate. Of course, the banks are happy to do this when you have a PROVEN PAYMENT HISTORY.

Q. I would like to lower the rate of my current car loan. Is this possible?
A. If you are currently paying a high interest rate on your car loan and you have been making your payments then we can certainly help you lower your monthly payments on your current car loan.

Q. Do I need to have insurance?
A. If you buy a vehicle then you must have insurance before you take delivery of the vehicle. It’s the law.