I'm not sure I should even apply based on my current situation ie. income, repos, just moved from Out of State, ID, temp service job. Regardless, we are here to clear some, if not all of your questions before you call or come out.

What's the Point of Applying, I'll get denied anyways, right?

Everyone is cautious when applying for a vehicle after they've had a few repos, or fresh repo at that, previous bankruptcy, divorce, loss of job, medical bills hitting the credit bureau, it's understandable.

This is why we are here, to help you through the car buying process with peace of mind before coming out. Hopefully this will help clear up any an all questions or concerns you may have when trying to finance a vehicle within the "Buy Here Pay Here" industry. Here are just a few examples:

 I work for a Staffing / Temp Agency, can I stil finance a vehicle with you guys?

  • Yes, but you must be there to recieve your first FULL pay check stub, however TEMPS can only apply/finance TIER 2 & TIER 3 vehicles.

I just Started my job, can I apply for financing?

  • Yes, but you must be there to recieve your first FULL pay check stub, however TEMPS can only apply/finance TIER 2 & TIER 3 vehicles.

 

I get Paid Cash, can I still Apply with you all

  • Yes, if you have bank statements showing consistent cash deposits reflecting the money you say you make or deposited, or proof of where you deposit the money in general, cash apps, paypal, venmo etc. Job letters are no longer accepted, however money talks.

My spouse or co-applicant works in another city or state, can I use his information to obtain financing being he/she will be paying for the vehicle?

  • No, both of the applicants must work and live in the DFW Metroplex, with solid proof of residence such as a lease agreement or bills or mail in general proving their residence within the past 30 days, especially if the applicant has a Out of State DL, we definitely want to see solid proof of residence. 
  • Yes, if applicant is here at time of signing on TIER (B) vehicles only.

 Can I finance a vehicle with SSI / SSD income only?

  • Yes, only on TIER 2 & TIER 3 vehicles, as long as the income is above $1700 a month verified by an award letter and bank statements or a debit card in which the money is deposited on any vehicle. However, we can combine a spouses or co applicants income, part time job income or job letter based on certain job industries.

 I wonder if I come in with "FAKE" pay check stubs, can I finance a vehicle with them?

  • No, your not the first to try it nor would you be the last one, this isn't our first rodeo with this type of scenario. The "Under Writting Department" will call to verify you actually work at the company you supposedly work for via a "Land Line" versus a Cell Phone you might put down, to be called and verified. They will even go as far as requesting bank statements showing deposits matching the check amounts you bring in, if they want to ensure stable work/job history with the company. Although, money down talks, right vehicle, can be the exception on a case by case basis.

 I don't think I make enough money to finance a car, what is the minimum Income guidelines for a bare minimum approval?

  • $1600 a month is a bare minimum starting point for monthly income to finance a vehicle with us on Tier 3 vehicles
  • $1800 a month on TIER 1 & 2 vehicles

I don't have a Texas Drivers License, can I still finance a vehicle?

  •  Yes, as long as you have a Valid Texas Identification Card or (expired within 12 months, this is still a GO for us. Valid passport is acceptable as well. However, out of state credentials are only accpeted on TIER 2 & TIER 3 (B) vehicles.

I don't live in the DFW Metroplex, can I still finance a vehicle with yall?

  • Yes, You Must live and work within a 40 - 80 mile radius of the DFW metroplex and or Dallas area for Tier 1, 2 & 3 (A) vehicles. Any applicant outside the 60 mile radius can only apply for TIER 3 (B) vehicles

I get paid Bi-Weekly, but want to do Monthly payments only or preferably, can I?

  • No, we must set your contract and payments up according to your pay schedule ie semi-monthly, bi-weekly and or monthly if you are paid in sucg frequency. The only way to overcome this, is by paying an extra payment when your bi-weekly car note is due, therefore setting your payments up every 4 weeks versus every 2 weeks, creating a little nest egg for your payment schedule.

I have an "Open Auto Loan" in my name that is current/behind on payments, can you guys finance me another?

  • Yes, we deal with Open Auto loans on a daily basis, so this is not a deal breaker with us nor will it stop us from selling/financing you another one. Either prove someone else is paying on the vehicle or income needs to exceed $2500 net, but each deal is a case by case basis and money obviously talks

Do I have to get Full Coverage Insurance before I roll off the Lot?

  •  No, we offer CPI policies which is also know as "In House Insurance" for those who cannot afford Full Coverage upfront after dropping their down payment money. This is a Collateral Insurance Policy which covers the vehicle itself and does not subsitute the fact you will need Liability on top of this poilcy to be street legal with Law Enforcement. This policy costs $25 - $169 extra on top of your down payment to acquire a policy like this. For bi-weekly paying customers, it runs $50.00 per pay payment date and $108 for monthly contracted customers, TIER 3 (B) vehicle CPI is $169.

Do you guys Offer any kind of Warranty?

  • Yes, we offer Powertrain Warranty which covers your heater/AC. engine, drivetrain and transmission, 1 year, whichever hits first, on TIER 1, 2 an TIER 3 vehicles, however TIER 3 (B) vehicles is 36/36 Bumper to Bumper warranty.

I have "2 Repos," can I still finance with your dealership?

  • Yes, the norm is 1 or 2 repos with the general public, however there are some cases where the applicant may had 3+ repos popping up, that's fine, we can still work with the applicant who may have 3+ repos on TIER 3 vehicles with a minimum of $2000+ down upfront, then again this is a case by case basis.

I'am 18 years old, can I still finance a car with you guys?

  • Yes, however the minimum down payment for someone under 18 years old is a $1000 all upfront based on your youth and lack of stability being an issue from the get go. In addition, TIER 2 & TIER 3 vehicles are only offered to individuals under 25 years of age. Yes, we can even offer the In House Insurance policy known as CPI regardless of your age.

The Vehicle I am wanting or looking at on the website requires a minimum of "X" amount upfront, can I do half now and the other half in a few days, weeks or next pay period?

  • No, the minimum down payment is set in place per Owner/Management, however we can defer up to $300 but not more on select units, unless you are solid on stability, then the exception to the rule can be over rode. Lay Away plans available on select units, usually good for 30 days or within the same business month, the applicant has been approved within.

I need my payments around, near, under or below $200 - $300 a month, can yall do payments that cheap/low?

  • No, the starting point for payments is $350 and work their way upwards from there. Occassionaly we can offer $350 - $400 on select unit(s). Average payment is $440.

If I am approved with your dealership, can you go out and find the vehicle I want or can you get it from another dealer?

  • No, we can only pull inventory from our chain of dealerships only, nor can we go get a specific car, truck or suv from the Auction House.

 Can I use my tax paperwork from last year or even this year as proof of income to finance a vehicle?

  • No, we need current check stubs and or bank statements within the past 30 days reflecting consistent money being deposited/cashed

Is there a "Early Payoff Penalty" associated with your vehicles?

  • No, you can pay off your vehicle as early/when first payment hits. Simple interest loan here, no early payoff penalty.

Can I trade my vehicle back in to upgrade?

  • Yes, but that can only take place as early as 24 months into your contract with us, in addition to good and current standing on your payments.

I don't make enough by myself to finance a vehicle, can I use my mom, dad, brother, sister or family member as a Co-Applicant to go on the loan with me?

  • Yes, as long as they live in the same household as you, with matching mail/bills in their name to accompany your proof of residence, they can co buy for you. Co buyer can only be a spouse/significant other, mom or dad.

If I have a larger down payment than requested or advertised on a particular vehicle and I don't live in the area, will yall still finance me?

  • No, regardless of your down payment, you must live within a 40 - 80 mile radius of the DFW Metroplex. ( Management Exceptions ) However, YES, that will not be an issue on TIER 3 (B) vehicles.

I have a "Out of State Identification Card," can I still apply?

  • Yes, we only accept TX credentials or passport only on TIER 1 and 3 (A) vehicles, however, out of state applicants may apply. on TIER 3 (B) vehicles only.
  • Yes, TIER 2 & TIER 3 vehicles can be applied/financed with out of state credentials.

TIER 1 radius is within 40 miles, but case by case as management has implemented exceptions. Must work an live within 40 miles as well

TIER 2 radius is within 82 miles. Must work and live within 82 miles as well.

TIER 3 (A) radius is within 60 miles. Must work an live within 60 mile radius as well.

TIER 3 (B) has no radius guidelines at this time.

TIER

If you are self-employed you must have bank statements showing consistent deposits for the past 30 days and or receipts from checks cashed providing a paper trail on what you actually bring home or the ability to screen shot your cash app, paypal, venmo etc.

Do you have more than 3 repossessions? If so, we have financed individuals with 3+ repos, but with the required down all upfront.