Car Buyer FAQ

Q: Can I apply online?

A: A formal application is not listed on this website. However, you can fill out this form and a representative will contact you with a list of dealerships in your area at which you can apply.  

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Q: Do you finance for people in my area?

A: We currently have relationships with dealerships in Indiana, Illinois, Kentucky, Michigan, and Ohio.

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Q: Do you offer service contracts?

A: Yes, service contracts are offered and can be included in your financing.

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Q: Do you report to the credit bureau?

A: Yes, we report to TransUnion and Equifax each month to assist you in reestablishing your credit history.

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Q: How long do I have to be on my job to qualify?

A: A minimum of eight to twelve months of employment time is required.

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Q: I don't have any credit. Will I still qualify for financing?

A: We have multiple finance programs to assist even first time buyers.

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Q: I have a bankruptcy in my credit history. Will I still qualify for financing?

A: Yes, we help people with prior bankruptcies.

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Q: I have previously had a car repossessed. Will I still qualify for refinancing?

A: We have helped thousands of people reestablish their credit who have had previous repossessions.

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Q: I just transferred to a new area for my job. Can I still qualify?

A: Normally, two to three years of residence time is required. However, we will consider shorter area time if you were transferred with your job.

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Q: What do I need to take to the dealership to apply?

A: Besides completing and signing a credit application at the lot, you will need to bring in your most recent paystub, five references (complete with addresses and phone numbers), and a piece of mail dated within the last 30 days that confirms your physical address.

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Q: What is your interest rate?

A: The interest rate is 24.90%.

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