
New Vehicles
New vehicles are good if you're trying to get out from a vehicle you're "Upside Down" in - meaning that you have negative equity in that vehicle.

Pre-Owned Vehicles
Pre-Owned may be the route to take if you can't afford a large monthly payment, but still need an SUV or Crossover vehicle for a large family.

Credit Worthiness
A few factors
Before you can determine what vehicle is right for your situation, we have to figure out if a lender is able to work with you. Don't worry, you don't have to have all 4 to get approved, and we will work with you to build your credit case.
The Four Credit Criteria
- Credit History Means your credit score, and your previous account records. Having long term accounts in good standing really helps.
- Stability refers to the time you've spent living in your home and working at your job. Lenders like to see two years or more, but can be flexible.
- Ability refers to your income, and if you have another person thats willing to participate on the loan with you as a co-applicant.
- Participation means money down or trade in. Even if your current vehicle is broken down, it may be a good idea to structure the deal with it included.