What Is Special Finance?The Special Finance customer is someone who has current or past credit problems and may have experienced some degree of difficulty in obtaining financing. These difficulties may include but not be limited to Bankruptcy, Repossession, Foreclosures, Collections or recent Credit Card Charge-Offs and Released Tax Liens.

We have various reputable lenders that are willing to take the time to help you get financed!


What is 2nd Chance Financing?
Second Chance Financing was designed for someone who has current or past credit problems and may have experienced some degree of difficulty in obtaining financing.

In order to save you time and help insure your loan approval, we have listed below the standard qualifications and documents required by lenders prior to issuing you an automobile loan.

To Qualify:

• You must make at least $2000.00 gross income per month.
• You need to have a steady work history.
• You must have a steady residence
• You will need a minimum of 15% down payment.
• If you have ever filed bankruptcy, it has to have been discharged.
  (You will need to present your discharge papers.)
  
  If you have any collections, liens or judgments against you, or ever had an automobile repossessed, you will need to provide acceptable explanation for your lender.
  
  The Standard documentation required are as follows:
• Proof of income for each individual on the application.
• Current phone bill.
• Proof of residence.
• Proof of rent/mortgage amount.
• List of 8 references. (complete address and phone number) friends, family, etc..
• Evidence of vehicle insurance is due at time of delivery.
• Copy of valid drivers license for each individual on the application.