We have helped many people who have had credit problems. We can do the same for you and your family. Don't let someone put you in a bad car, just because of past credit problems. Give Amber a call at (615) 790-8401 and she will do her best to help you to reach your goal, A GOOD CAR AT A FAIR PAYMENT.

First, you will need one of the following:

Down payment

A vehicle to trade in

A cosigner

Why do you need money down? The lending institutions that we use want to see that you have an interest in the vehicle that you are purchasing. While some may be approved with a small down payment, you can make approval easier and can help yourself to get an even nicer vehicle with a larger down payment.

You can use an older vehicle as your down payment, even one that is not running now. This may be the only security that the lending institution needs. Or it may allow you to put less cash down.

A cosigner is someone who has already established their good credit in one of these ways:

Has purchased a car and paid as agreed on time

Owns a home and making payments or has paid for home

Has had several credit accounts over years and paid for them on time

You will need a monthly verifiable income of at least $1500, and with some lenders even more. Husband and wife may combine income to reach this figure. With a qualified cosigner, you may be able to have a lesser income. To get a loan approved, you must be able to show that you have adequate income to meet your financial obligations.

Your full down payment

Your drivers license

Your most recent pay stub, the last two will be even better

The front page of the telephone bill where you live even if not in your name

Another bill that shows your name on it

A list of the names, addresses and telephone numbers of eight relatives or friends

If divorced, your divorce decree may be helpful

If discharged from bankruptcy, your discharge papers

If military, your earnings statement

And bring your checkbook, sometimes we can take a check that can be held up to 25 days to increase your down payment.