Here's what happens after you click to apply.
Your secure, encrypted application is processed at our home office in Richmond, VA (validated against fraud and pre-screened for credit).
Your credit application isforwarded to a loan officer at a dealership near you. You'll be asked to make a personal appointment at which point you'll learn your credit worthiness and see available vehicles.
We do face-to-face meetings for your protection. We work with dealers because that's where banks are most comfortable in lending when it comes to auto credit .
If you apply online and make a personal VIP appointment, you'll be treated better than just some "up" who shows up on a lot.
Better yet, by knowing financing options before you fall in love with a car you avoid the humiliation and let-down of a credit denial. A customer with a credit bump might have trouble with $2,000 down on a $25,000 car, but will have much better odds with $2,000 down on a $10,000 car. The more equity in the vehicle, the more tolerant the bank is of risk
Best part is there are all kinds of outstanding vehicles now available in the around $10,000 price range.
The credit crunch is easing but car sales are still in the tank -- and that means unbelievable discounts, incentives and low-interest offers.
It also means there are brand new, fuel-efficient cars on the market that translate into monthly payments most Americans can afford. These deals won't last forever, so if you can use our services to snag a loan, you'll be taking part in one of the great bargain times in US car sales history.
Remember, our process is free and puts you under no obligation to buy. If the deal isn't right, you walk away. Only thing simpler is paying cash. Bottom line: you have nothing to fear but fear itself.
