A: UNLIKE MOST LARGE LENDERS WHO ONLY GO BY YOUR CREDIT SCORE, WE CARE MORE ABOUT YOUR ABILITY TO PAY. WE LOOK AT THE BIG PICTURE.

WE LOOK AT WHAT YOU HAVE TO WORK WITH FOR INCOME, TIME ON JOB, TIME ON ADDRESS, MANY THINGS BIG BANKS AND FINANCE COMPANIES DON’T CARE ABOUT.

A: OUR RATES RUN FROM 7.9% - 16.9% A.P.R. DEPENDING ON DOWNPAYMENT – NOT CREDIT SCORE

A: VISIT US WITH THE FOLLOWING:

1. DRIVERS LICENSE
2. PROOF OF ALL INCOME FOR ALL BUYERS
3. COPY OF PHONE BILL
4. REFERENCE LIST (CLICK ON "WHAT TO BRING" )
5. VEHICLE TRADE-IN WITH TITLE

A: MOSTLY FROM NEW CAR DEALERS TRADE-INS. WE BUY FROM THE SAME DEALERS OVER AND OVER. SOME VEHICLES ARE BOUGHT AT THE DEALERSHIP. SOME LARGER DEALERSHIPS ONLY SELL THEIR TRADE-INS AT CAR SALES.

A: WE PROVIDE UP TO A 24 MONTH / 24,000 MILE LIMITED WARRANTY ON ALL VEHICLES. WE DON’T SELL EXTENDED WARRANTIES BECAUSE OF TOO MANY LOOPHOLES IN COVERAGE AND TOO MANY WARRANTY COMPANIES THAT GO OUT OF BUSINESS.

A: ALL OF OUR VEHICLES ARE INSPECTED BEFORE WE PURCHASE THEM. THEY ARE RE-INSPECTED DURING OUR 156 POINT SAFTEY INSPECTION DONE BY AN EXPERIENCED MECHANIC. REPAIRS ARE DONE USING QUALITY PARTS.THEY ARE THEN TEST DRIVEN AND CHECKED FOR CLEANLINESS BY THE SALES MANAGER BEFORE THEY ARE OFFERED FOR SALE.

A: THERE ARE PLENTY OF COMPANIES LINING UP TO LEND YOU MONEY AT EXCESSIVE RATES, THE PROBLEM IS, THIS DOESN’T HELP ANYONE. YOU BORROW $15,000 AT A HIGH INTEREST RATE AND TWO YEARS LATER...

YOU STILL OWE ALMOST $15,000. MOST OF WHAT YOU PAID WENT TO THE FINANCE COMPANY, AND BECAUSE YOUR DEBT HASN’T DROPPED MUCH FROM YOUR BEGINNING BALANCE, YOUR CREDIT SCORE ACTUALLY SUFFERS. YOU NEVER GAIN EQUITY.

HERE’S A BETTER WAY. WE SELL VEHICLES ON A 2 TO 3 YEAR TERM. RATES ARE AS LOW AS 7.9% A.P.R. EVEN WITH:
   • LOW CREDIT SCORES AS LOW AS ZERO
   • CHAPTER 7 BANKRUPTCY (FILED WITH AN ATTORNEY-DISCHARGE NOT NECESSESSARY)
   • CHAPTER 13 BANKRUPTCY (WITH THE TRUSTEE'S WRITTEN APPROVAL)
   • OPEN JUDGEMENTS AND COLLECTIONS
   • CHILD SUPPORT LIENS

BECAUSE OF OUR SHORT TERM, AFTER 1-1/2 YEARS YOUR VEHICLE IS HALF PAID UP. YOUR CREDIT SCORE GOES UP BECAUSE YOUR DEBT IS HALF OF YOUR BEGINNING BALANCE. AT THE END OF THE TERM, YOU OWN A VEHICLE THAT HAS EQUITY. THAT HAS TRADE IN VALUE. THE CYCLE OF FINANCING UPSIDE DOWN VEHICLES ON TOP OF UPSIDE DOWN VEHICLES HAS BEEN BROKEN.

A: THIS IS THE ONLY BUSINESS WE OPERATE. WE CONCENTRATE ON FINANCING VEHICLES TO PEOPLE WITH CREDIT ISSUES. PAYMENTS ARE SHORT TERM 2 TO 3 YEARS NOT 5, 6, OR 7 YEARS. WE RUN IT LIKE A FAMILY BUSINESS, NOT PART OF A HUGE CORPORATION.