Financing FAQ

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.

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.

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.

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.

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.

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.

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.

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