Credit Will Never Stop You From Car Shopping Confidently Again!

When you walk in pre-approved, no dealership will ever even know your credit score!

Review the 4 simple steps to qualification below

Best times for your call

By submitting, you grant permission for one of our lending affiliates to contact you with instructions on a pre-approval application

Are you worried your less than 
perfect credit is

  • Stopping you from getting your best deal?
  • ​Robbing you of the confidence you deserve to have car shopping?
  • ​Costing you thousands in fees and interest?

We believe your credit score should be between you and your lender…

  • Not the dealership
  • ​Not the finance manager
  • ​Not the 10 banks dealers send your credit report to trying to get you a loan
Now, you can car shop with the same confidence and buying power as a cash buyer or someone with perfect credit!

About Pre-Approval

Having an auto loan pre-approval, before you ever start shopping for your vehicle, is a must. You’ll have a much better car shopping experience when you treat it like buying a small house.

Before you ever start house hunting, you get pre-approved for your mortgage. You don’t ask the person selling you the house how much your monthly payment will be, right? Exactly! We’re bringing the same philosophy to your car
deals from now on.
Having an auto loan pre-approval, before you ever start shopping for your vehicle, is a must. You’ll have a much better car shopping experience when you treat it like buying a small house.

Before you ever start house hunting, you get pre-approved for your mortgage. You don’t ask the person selling you the house how much your monthly payment will be, right? Exactly! We’re bringing the same philosophy to your car
deals from now on.

Follow these 4 simple steps to preparing for 
pre-approval:

Step 1: Verify Your Location

Step 1: Verify Your Location

Review the states below to see if you’re in one of the states our lending affiliates operate in:
Review the states below to see if you’re in one of the states our lending affiliates operate in:
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Illinois
Indiana
New Jersey
New Mexico
North Carolina
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Washington
Wisconsin
Iowa
Kansas
Kentucky
Louisiana
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri

Step 1: Verify Your Location

Step 1: Verify Your Location

Review the states below to see if you’re in one of the states our lending affiliates operate in:
Review the states below to see if you’re in one of the states our lending affiliates operate in:
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Illinois
Indiana
New Jersey
New Mexico
North Carolina
Oklahoma

Pennsylvania
South Carolina
Tennessee
Texas
Washington
WisconsinIowa
Kansas
Kentucky
Louisiana
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri

Step 2: Do You Qualify for Pre-Approval?

Step 2: Do You Qualify for Pre-Approval?

You may meet all of these criteria right now or you may need some time. Either way, you’re operating with a plan now and not on a whim.

Can not have multiple repossessions on credit report (One is acceptable)

No repossession in last 6 months

Must have 4-6 months at current job

Minimum Income $1,400.00 per month (gross income)

Unemployment can not be used as income

Can't be 1st car loan (if using 1099 income)

If temp agency income, must be at same job more than 6 months
You may meet all of these criteria right now or you may need some time. Either way, you’re operating with a plan now and not on a whim.

Can not have multiple repossessions on credit report (One is acceptable)

No repossession in last 6 months

Must have 4-6 months at current job

Minimum Income $1,400.00 per month (gross income)

Unemployment can not be used as income

Can't be 1st car loan (if using 1099 income)

If temp agency income, must be at same job more than 6 months

Step 3: Get Your Documents Ready PROOF OF INCOME

Step 3: Get Your Documents Ready PROOF OF INCOME

For W-2 our lending affiliates will require your 2022 W-2 or the last paystub you received in December 2022, along with your most recent pay stub. The most recent pay stub showing year to date earnings. W2 income only. For self-employed or 1099 income, bank will require your last 3 months bank statements. ALL pages.

For Social security / pension / retirement or other fixed income the bank will require the award letter establishing how much you are paid and the most recent bank statement (ALL pages) showing the funds deposited to your bank account. 
For W-2 our lending affiliates will require your 2022 W-2 or the last paystub you received in December 2022, along with your most recent pay stub. The most recent pay stub showing year to date earnings. W2 income only. For self-employed or 1099 income, bank will require your last 3 months bank statements. ALL pages.

For Social security / pension / retirement or other fixed income the bank will require the award letter establishing how much you are paid and the most recent bank statement (ALL pages) showing the funds deposited to your bank account. 

PROOF OF RESIDENCE

PROOF OF RESIDENCE

-Computer generated utility bill
-Cell phone bill
-Bank statement (all pages)
-Credit card bill
-Mortgage statement, etc.
-Printed to PDF format are forms of acceptable proof

> Must show your full name, complete address and be dated within the last 30 days.
-Lease or Rental Agreements
-Insurance cards
-Bills and window envelopes
NOT acceptable
-Computer generated utility bill
-Cell phone bill
-Bank statement (all pages)
-Credit card bill
-Mortgage statement, etc.
-Printed to PDF format are forms of acceptable proof

> Must show your full name, complete address and be dated within the last 30 days.
-Lease or Rental Agreements
-Insurance cards
-Bills and window envelopes
NOT acceptable

COPY OF YOUR DRIVER'S LICENSE

COPY OF YOUR DRIVER'S LICENSE

A clear picture of your current driver's license. You must have a current
active license. The bank will need to verify your identity.
A clear picture of your current driver's license. You must have a current
active license. The bank will need to verify your identity.

EMPLOYER'S PHONE NUMBER

EMPLOYER'S PHONE NUMBER

Main phone number to your employer (not your personal extension) or the number to your HR / Payroll department. Must be a LANDLINE phone number.
Main phone number to your employer (not your personal extension) or the number to your HR / Payroll department. Must be a LANDLINE phone number.

4 REFERENCES

4 REFERENCES

The bank will require:
-Complete name
-Address
-Phone number for four friends or relatives.
-References cannot live with you or live together.
-Be sure none of them live with you and no duplicates.
-Be sure all are working phone numbers and must be personal numbers.
-No business phone numbers.
The bank will require:
-Complete name
-Address
-Phone number for four friends or relatives.
-References cannot live with you or live together.
-Be sure none of them live with you and no duplicates.
-Be sure all are working phone numbers and must be personal numbers.
-No business phone numbers.

Step 4: I'm Ready!! What's Next?

Step 4: I'm Ready!! What's Next?

Great! You’re ready for pre-approval.
Enter your information and the best time(s) for your call.
One of our lending affiliates will reach out to walk you through the application process.
Great! You’re ready for pre-approval.
Enter your information and the best time(s) for your call.
One of our lending affiliates will reach out to walk you through the application process.

Review the 4 simple steps to qualification below

Best times for your call

By submitting, you grant permission for one of our lending affiliates to contact you 
with instructions on a pre-approval application
Pre-Approval Warnings: We recommend you never accept a pre-approval that limits where you can shop. For example, Carvana pre-approvals only can be used with Carvana. Some Capital One pre-approvals require you to deal with their network of dealers. A real pre-approval should have requirements for the quality of vehicle you can purchase, but it shouldn’t point you to where to buy a car. That’s a red flag.
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