Customer FAQ

Q: Can I apply online?
A: Yes, you can apply on this website and a dealership in your area will contact you.

Q: Do you finance for people in my area?
A: We currently have relationships with dealerships in Northeast Ohio.

Q: Do you offer service contracts?
A: Approved service contracts offered by the dealer can be included in your financing.

Q: Do you report to the credit bureau?
A: Yes we report to Equifax every month to assist you in re-establishing your credit history.

Q: How long do I have to be on my job to qualify?
A: A minimum of 6 months of employment time is required.

Q: I don't have any credit. Will I still qualify?
A: We have different finance programs to assist even first time buyers.

Q: I have a bankruptcy in my credit history, would I qualify for financing?
A: We have financed many people with prior bankruptcies that met our guidelines.

Q: I have previously had a car repossessed; will I still qualify for financing?
A: We have helped thousands of people re-establish their credit who have had previous repossessions.

Q: I just got transferred to this area with my job, can I still qualify?
A: Normally 1 year of residence time is required. However, we will consider shorter area time if you were transferred with your job.

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 2 most recent pay stubs, references complete with addresses and phone numbers, a valid driver’s license, and proof of residence.

Q: What is your interest rate?
A: The standard interest rate is 24.5%. We have a lower rate available for customers with better credit.