Frequently Asked Questions
First Time Buyer FAQ
"I have a 19 year old daughter that need to finance a car. She has no financial commitments, she has no credit established. Can you help?"
First Time Buyers with no established credit usually need at least $1,000 down payment and at least one year on the job, full time, to qualify without a cosigner.
"If I'm a first time buyer, with no credit would I be able to buy the vehicle of my choice? A Lincoln LS...and If I did get the loan would I be able to walk into any dealership I wanted and use the loan?"
Our dealers have numerous First Time Buyer programs. You would be able to choose a vehicle but you would not have a blank check to purchase any vehicle you choose. You approval would stipulate a maximum loan amount, required down payment, maximum monthly car payment, and maximum loan to value amount. Our dealers use special technology to match your low interest auto loans for bad credit approval with their available inventory. It's likely that the authorized dealer in your area will show you more cars in fifteen minutes, that you qualify for, than you are likely to find during one month of steady shopping.
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"I have been turned down by so many other dealerships. It took me 10 months after first being contacted by them before I got up the nerve to call them. I did not want to get turned down again. I should have seen them 10 months ago! This loan process was absolutely the easiest not to mention fastest, just outstanding. There was no pressure, hassle or mind game at all. They helped me get the car and loan that was right for me. I will be going back and I will tell anyone looking for a car to go see them. Thanks so much!"
M. Klobucar, Benton Harbor
