At Consumers Auto Warehouse we work with dozens of lenders both local and national that specialize in offering financing to people with past credit issues. While many dealers can offer some choices for credit, we have lenders willing to work with you regardless of your credit or employment history. If you can prove you make just $1,000, we will find a lender willing to work with you!
We have lenders who focus only on financing for customers who have filed bankruptcy. Even if your bankruptcy is not yet discharged, we can often get you approved right away!
Some of our lenders will require you to put money down. Every case is different. We have many lenders with no down payment programs. Of course, a bigger down payment will often help get you a better rate and approval and will always lower your loan balance.
Absolutely! We only use lenders who agree to report your loan performance to the national credit reporting agencies. That is something you need to help improve your credit. Most buy-here pay-here dealers do not report to your credit report.
Every lender has different criteria for both customers and vehicles they are willing to finance. Sometimes, the car you are looking at won't work with the bank's guidelines. It might be too old, have too many miles, be a restricted vehicle, cost too much or even cost too little (yes, some banks have minimum loan values). And every once in a while, your budget may not accommodate the kind of vehicle you are looking for. We will do our best to match your approval with vehicles that work and that you would like to drive.
We are signed up with some of the best lenders in the nation -- and some local credit unions. With a good credit rating, you will get some great rates - currently under 5.00%. Apply Here