Frequently Asked Questions Q: How do I arrange for pick up of my vehicle?  A: If it’s inconvenient for you to come to us, we can deliver right to your door. Q: What are the interest rates for my auto loan? A: Interest rates are determined by the actual lenders and are influenced by several factors, including the severity of credit problems, the amount of down payment, and the degree of credit risk. Your Credit Specialist will explain these factors, and tell you exactly what your interest rate will be.   Q. How long does the application process take? A: You will be contacted very promptly by the Credit Specialist handling your loan request. The approval process is usually within several minutes to a few hours. Q: Can I get an auto loan even if I have bad credit? A: YES! Our Credit Specialists will work with you every step of the way to help you get approved! We specialize in helping you get the auto loan you deserve. Q: Will it help if I have a co-signer on the loan? A: If your co-signer has good credit status, this will definitely help your chances of getting an approval. Q: Are there any fees associated with your auto loan application? A: This is an absolutely free service. Q: What kind of vehicles can I get through your service? A: Our network provides all types of vehicles. Sport Utilities, Vans, Trucks, Passenger Cars, Luxury Cars and Sports Cars. Q: Does it hurt my credit everytime I apply? A: Yes, very much so. Using the wrong representatives who are inexperienced and untrained can result in massive damage to your credit rating. This obviously lowers your chances of getting financing. Other companies claim they can help you but end up hurting your credit more. WE CAN HELP. Q: If I buy a Pre-Owned Vehicle, how can I be sure it is reliable? A: All of our Dealers offer Protection Plans and Extended Warranties that will cover your vehicle and give you peace of mind.