What If My Credit Is Less than Optimal?
Throughout our combined decades of customer service experience, we’ve been able to secure car financing for customers on all points of the credit spectrum: from the very highest to the very lowest credit scores, all of them individuals with particular circumstances. The first step is gaining an accurate credit rating, which you can find for free on the Internet (and, if it’s difficult to acquire, our professionals can always help walk you through it at our showroom). From there, you’ll determine your credit category: prime, nonprime, subprime, or deep subprime. These categories determine the kind of interest rates that lenders are willing to offer. Another useful step is to browse our online auto showroom, operated by Prestige Auto Sales
, which will give you an idea of vehicles available at your price range. Once all together, our customer service team can give you a solid number: the kind of financing you can receive, and what you’ll pay every month. It doesn’t have to be a complex process — in fact, we believe we can make it easy. Our dozens of customer testimonials serve as proof to this statement, as well; we’ve gained our reputation in this industry one satisfied customer at a time, and we hope you’ll be the next one to get the car you need at an unbeatable price.
What If I’m Experiencing or Recovering from Bankruptcy?
Personal bankruptcy is stressful enough, and that last thing you need in your life is additional frustration. Based on the conditions of your bankruptcy, and based on the down payment required, we can offer a wide variety of options. Most likely, we can offer you financing through our own buy here pay here service, which would entail you issuing your monthly car payment to us. It’s a method that eliminates the need for additional financing or lending institutions, and it’s often the best method for people experiencing or recovering from bankruptcy or other financial hardship. As long as you have a job, we can issue you credit. We’ll assess your finances and income and make a definitive offer of what we’re willing to cover — and you’ll be able to acquire your vehicle and continue with your life. We don’t think of ourselves as gatekeepers to auto ownership, but rather as facilitators — as helpers. We want to help you get the car you deserve. Call us today at 302-600-1400.
What Sort of Down Payment Should I Expect?
We regularly offer customers down payments as low as $495, but we consider all variables when it comes to your car purchase: your credit rating, the sticker price, the terms and length of the loan, and other details as necessary. As long as we have all the information we need about your credit and income status (which includes any deductions and ongoing payment plans), we can structure a pay program that you can manage, and devise a down payment that won’t break the bank. You should expect to pay between $500 and $1000 on a down payment, but we pride ourselves on finding a solution that suits you while still meeting the condition of the loan. We’re professionals, but we also understand that life is complicated. We’ll make this process easy for you so that you can get on the road and get back to handling the day-to-day travails of a successful and fulfilling life.
What Kind of Payment Plans Do You Offer?
Between our own buy here pay here service, and the partner lending networks with which we do business, we can offer loans with terms between 36 and 60 months. We’ll assess your finances and give you the best options possible based on all the facts at hand. Our goal is not to make it hard, but rather to make it as easy as it can be. You’ll be able to choose from different financing terms, which likely include different rates and monthly payment amounts. You can determine which of these choices satisfies your requirements the most, and from there we can move on towards filing necessary items and securing the financing. You can even begin your application process online
. We strive to make this process as open and transparent as possible, in order to show you why certain figures amount the way they do. There will be no blind spots or surprises — we’ll give you all the information we have on hand, and we’ll always let you know exactly where you stand.