Here are some common questions people ask about second chance financing. Please contact us if you have any more specific questions. We truly can offer you an approval rate of 100%.

Do I need a down payment to get approved?

YES! If someone is telling you different be careful. Banks usually want between 5% and 20% down. Of course the more you put down the more manageable the payment is for the long term and the better it looks to the bank.

Do I need a job to get approved?

Not necessarily. We approve many people on disability, social security and other forms of fixed income in addition to those with steady jobs.

What credit score do I need?

Our second chance approvals are not based on credit, so even scores as low as 400 are perfectly fine. Our approvals are based on risk. a 19 year old who has had a job for six months is MUCH riskier than a 42 year old who has been on his job for 22 years. We can get both approved, but one is riskier to the bank then the other.

Are we going to tell you what car you can buy?

Not exactly. We are going to do our best to get you approved on the vehicle of your first choice, 80% of the time that is the vehicle our customers drive off the lot with. If we cannot do that, we will offer you several second choices.

How does a bankruptcy hurt me getting approved?

It's simple, BK is ok as long as it is been discharged. Once again, if someone is telling you something different be careful.

What kind of warranty will I get?

100% of the second chance loan payments will include both GAP insurance and at least a one year or 12,000 mile warranty INCLUDED in the payment.

What do I need to bring in?

Your last two paystubs. Your last bank statement and a utility bill. We can help you with insurance. Everything has to have your home address on it to qualify.