Approved on more than a number
We place financing through a panel of outside lenders rather than carrying notes ourselves. That means a normal auto loan that reports to all three credit bureaus and builds your credit as you pay it — not a buy-here-pay-here arrangement that leaves no trace.
Pre-qualification uses a soft credit pull. It does not affect your credit score.
Your score is one input of six
Applicants are frequently surprised by how much the other five matter. If your score is weak, these are the levers you can still pull.
Verifiable income
Gross monthly income with documentation — pay stubs, bank statements, or tax returns if you are self-employed. Most subprime programmes set a floor between $1,500 and $2,000 gross per month.
Time on the job
Stability outranks amount. Two years at a modest wage is stronger than six months at a high one.
Debt-to-income
Lenders generally want your total monthly obligations, including the new payment, under roughly 45 to 50 percent of gross income.
Down payment
The single most controllable factor. Every extra thousand improves the loan-to-value ratio and the approval odds together.
The vehicle itself
Lenders cap how much they will advance against book value, which is why a cheaper car is sometimes easier to finance than an expensive one.
Co-signer
A co-signer with established credit often improves the rate enough to be worth the conversation, especially for first-time buyers.
Four steps, about twenty minutes
Pre-qualify
A short form and a soft credit pull. You see a realistic budget before you fall in love with a vehicle you cannot finance.
Pick the vehicle
Now that you know the ceiling, choose from what fits. We will show the out-the-door number in writing.
Formal application
One hard inquiry, submitted to the lenders most likely to approve your profile. Multiple auto inquiries within 14 days count as one.
Sign and drive
Contract, tag, title and insurance verification handled here. You leave with the car and a payment schedule you have read.
What actually makes up the total
Vehicle price
The number on the listing. Negotiate this, not the payment.
Title Ad Valorem Tax
Georgia charges a one-time TAVT on the state’s fair market value when the title transfers. Trading in reduces the taxable amount.
Tag & title fees
State-set fees for the plate and the title transfer.
Documentation fee
Our charge for processing the paperwork. Disclosed up front, never varied by customer.
The Georgia TAVT rate is set by the state and has been adjusted several times. Confirm the current percentage with the Georgia Department of Revenue or your county tag office — we will quote your exact figure in writing before you sign.
Four things to refuse at any dealership
Including this one. If we ever do any of these, walk out.
Payment-only negotiation
Any dealer can hit any monthly payment by stretching the term. Negotiate the price and the APR; look at the payment last.
Yo-yo financing
Never take delivery on a conditional or spot-delivery contract that is not fully approved. Get the final approval in writing.
84-month terms
Long terms on a used car guarantee years of negative equity. If the payment only works at 84 months, the car is too expensive.
Packed products
Gap and service contracts have real uses, but they belong in an explicit conversation — not folded silently into the payment.
Financing questions
Can I get financed with bad credit?
Yes. We work with a panel of lenders that includes subprime and first-time-buyer programs. Credit score matters, but verifiable income, time on the job and down payment often matter more to the lenders we use.
Will applying hurt my credit score?
Our pre-qualification uses a soft credit pull, which does not affect your score. A hard inquiry only happens once you choose a vehicle and ask us to submit a formal application. Multiple auto inquiries inside a 14-day window are treated as one by the major scoring models.
How much do I need for a down payment?
It depends on the lender, the vehicle and your credit profile. Many approvals land between ten and twenty percent. Some programs approve with nothing down; a larger down payment lowers both your payment and the total interest you pay.
Do you offer buy here pay here or in-house financing?
We place financing through outside lenders rather than carrying notes ourselves. In practice that works out better for the customer, because you get a normal auto loan that reports to the bureaus and builds your credit.
Can I pay cash?
Yes, and it does not change the price of the vehicle. Bring a cashier’s check or arrange a wire; large amounts of physical currency trigger federal reporting requirements that slow the delivery down.
Do you accept co-signers?
Yes. A co-signer with stronger credit frequently improves the rate enough to be worth the conversation, particularly for first-time buyers and recent graduates.
Find out what you qualify for
A soft pull, a short form, and a real budget in front of you before you shop. It does not affect your credit score.