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FAQs

A person’s credit score calculated with software from Fair Isaac Corporation (FICO). An installment loan makes up 35% of your FICO score. See what makes up your FICO score HERE.

Reaffirming a loan does not earn credit.

Bank rates can be as low as 7.99% O.A.C.

Re-establishing credit can take between 8 to 15 months (with no late or slow pays).

The lenders will only allow 15% of the clients payment to income. The lender dictates price term and rates, not the dealer.

No, you do not need to wait for the 341 before you can get an approval.

We have multiple lenders standing by to assist our bankruptcy clients. Our lenders include CUCC/ America First’s subprime division, Prime Acceptance, Prestige Financial, Consumer Portfolio Services, Rally, Capital One, Wells Fargo, New Start Financial, First Investment and Rightsize Financial.

Yes, bank fees are included in the loan terms. To help offset the bank fees we offer our clients assistance with a $500.00 cash card. In some cases it does absorb the cost of the bank fees.

When working with our clients the vehicles they choose are not brand specific. We sell any make and model (pre-owned) with clean titles and carfax’s. We do not work with salvage titles.

We can have a pre-approval in as little as 5 minutes.

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