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Liberty Approved

Frequently asked questions

Straight answers to what people ask us most. Can't find yours? Ask it here or call (445) 260-0398.

Financing & approval

Can I get approved with bad credit or no credit?

It's worth applying. Lenders look at your whole application — income, job history, down payment and credit — and options exist for many credit situations. Start a pre-approval in about two minutes; approval always depends on the application.

What do I need to bring to get approved?

Usually: a valid driver's license or state ID, a recent pay stub or other proof of income, proof of residence such as a utility bill or lease, a list of personal references, the title or payoff information if you're trading a vehicle, and your down payment. Not sure you have everything? Call (445) 260-0398 and we'll tell you exactly what your situation needs.

Will applying hurt my credit score?

Our finance team may check your credit to find your approval, only with the permission you give in the application. Ask us any time before you apply and we'll walk you through it.

Can I get approved with a past repossession or bankruptcy?

It may be possible — every application is looked at individually. Be upfront about what happened; honest, accurate information on your application helps. Apply online and we'll talk through your options.

How much do I need to put down?

It depends on the vehicle, your income and credit history, and what you're comfortable putting in. More down usually means a lower payment, and any equity in your trade-in can count toward your down payment. We'll tell you exactly what's needed once we see your application.

Can a car loan help me rebuild my credit?

It can. Payment history is the biggest factor in most credit scores, so a car loan you pay on time, every time, is one of the most visible ways to rebuild. Ask us whether your loan reports to the credit bureaus.

Do I need full-coverage insurance?

Financed vehicles almost always require full coverage (comprehensive and collision) with the insurance company of your choice. Get a quote on the specific vehicle before you buy so there are no surprises.

Can I add a co-buyer or co-signer?

Yes. Our credit application lets you add a co-applicant, which can help with approval or terms.

Buying a car

What's included in your advertised price?

Our listed price is the price of the vehicle. Pennsylvania sales tax and government title, tag and registration fees are added at signing. If anything about a price is unclear, ask — we'll give you an itemized out-the-door number in writing.

Why do some vehicles say “Call for price”?

Those are usually fresh arrivals that haven't been priced yet. Call or text and we'll give you the price and let you know when the vehicle will be ready.

Can I test drive a car before I decide?

Of course. Request a test drive and we'll have the vehicle ready when you arrive. Bring your driver's license.

Can you find a vehicle you don't have in stock?

Tell us what you're looking for with our vehicle finder and we'll reach out when we have a match.

Do you provide vehicle history reports?

When a free CARFAX report is available for a vehicle, you'll find the link right on its page. Ask us about any vehicle's history.

Do you sell to customers outside Philadelphia, PA?

Yes. We serve shoppers from Philadelphia, Tinicum Township, Essington, Ridley Park, Prospect Park and beyond. See areas we serve for directions from your town.

Trade-ins & selling

How much is my trade-in worth?

Tell us about it on our Value Your Trade page and we'll get back to you with a number. We confirm it when we see the vehicle in person.

Can I trade in a car I still owe money on?

Usually, yes. We'll get the payoff amount from your lender. If your vehicle is worth more than you owe, that equity can go toward your next car.

What should I bring when I trade in my vehicle?

The title (or your lender's name and account number if you still owe on it), your registration, and all keys and remotes. Service records help too.

Visiting Liberty Approved

What are your hours?

Mon–Fri 9am–7pm · Sat 9am–5pm · Sun closed. You can browse inventory, apply for financing and value your trade online any time.

Where are you located?

6735 Essington Ave, Philadelphia, PA 19153 in Philadelphia County. Get directions.

How do I contact Liberty Approved?

Call (445) 260-0398, or send us a message. We reply fast during business hours.

Are you hiring?

We're always glad to hear from good people. Apply online and we'll reach out if there's a fit.

Ready when you are.

Get pre-approved online. Or come see us in Philadelphia, PA.