It’s not about where you’ve been.
It’s about where you’re going.
Our finance team is dedicated to helping consumers that have been unable to secure an auto loan through conventional lending banks. We take pride in helping first time buyers and people with slow pay, repossession, or bankruptcy situations. We secure financing for new or late model cars. No matter what your situation is, we can help. We work with people who have good, fair, bad, or no previous repayment history, as well as with people who have little or no money down. It's one of the things that make us different, and it makes us better.
Basic auto financing requirements:
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Employed for six months or greater with the same employer. *
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Residing at the same place six months or greater. *
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* If you have recently moved or are past probation on your new job, some exceptions may apply.
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Income levels of $1850.00 gross (pre tax) or greater per month for single applicants.
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On combined or joint applications, $3000.00 gross (pre tax) or greater per month combining both applicant’s incomes.
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Verifiable income via 2 months pay stubs showing deductions. Self employed / sub-contractors need to have Notice of Assessments, T1 Generals, and invoices available if requested.
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Need to be able to have full coverage insurance on the vehicle purchased.
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Need a utility bill or bank statement with your name and address on it.
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Must not be past due on any loan payments. Written off accounts are permitted.
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No repossessions within the past 12 months unless included in bankruptcies.
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