Apply for Financing

You are best suited to acquire your financing direct rather than obtaining it via any dealership who offers it. Many Banks & Credit Unions do not lend on cars older than 7 & most certainly 10 years old because they cannot discern market value in consideration of overall mechanical/cosmetic condition. Therefore, the loan becomes high risk which means your credit score must be over 700 and your debt to income ratio must be in line.

We recommend our customers obtain direct lending which can save them more than any price negotiation. Our reputation and experience in specializing in what we sell has resulted in the fewest, if any, repossessions because we validate, update, service & warranty our cars in house. Any dealer offering in house financing is doing so as a Buy Here Pay Here Dealer. Such dealer gives you an attractively priced sub-par non-serviced compromised cheaper car with an inflated interest rate. Essentially, you will pay more accounting for the inflated / invented APR, Dealer Doc Fees & lack of servicing/prepping of the car. I encourage you to read our reviews online as well as our disclosure section to better understand our business model.

We have satisfied customers for over 20 years doing ethical, transparent business as well as providing a lifetime of service after sale for our customers. Our experience gives us the ultimate advantage of prepping your car prior to sale as well as our continued service and advice afterwards. As all else in life, the best deal is dependent upon all of the variables which you are aware of. Transparency is our motto and you are always encouraged to give us your thoughts.