GOOD CREDIT ? FAIR CREDIT ? BAD; OR NO CREDIT ?
We have several Financing options available for all credit situations!
HERE ARE SOME EXAMPLES FOR FINANCING
CREDIT SCORES OF 690 & ABOVE, MEANS WE CAN USUALLY GET YOU FINANCED WITH HELENA'S LOCAL BANKS @ A COMPETITIVE APR
SCORES OF 600 TO 690 WE CAN UTILIZE LOCAL CREDIT UNIONS AND IN MOST CASES GET A GOOD APR
CREDIT SCORES OF 590 OR LESS; AND NO CREDIT HISTORY AT ALL;
WE THEN UTILIZE OUTSIDE LENDERS; WHEN WE USE AN OUTSIDE LENDER THE VEHICLE PRICE WELL DIFFER FROM OUR SALE PRICE AS THEY ACTUALLY PURCHASE THE VEHICLE FROM US AND SET THE TERMS AND PRICING WHICH IS STILL ALWAYS BELOW RETAIL.
APR IS BASED OFF OF CREDIT SCORE.
STIPULATIONS FOR OUTSIDE FINANCING ARE AS FOLLOWS
1. You must be 18 years of age,
2. Have an income of at least $1000.00 per month or a cosigner. Proof of income is required i.e. 3 most current pay stubs or 3 months of bank statements if self employed or letter if you have a fixed income
3. HAVE A Valid drivers license
4. BE ABLE TO CARRY FULL COVERAGE INSURANCE.
5. PROVIDE PROOF OF RESIDENCE SUCH AS MAIL WITH YOUR NAME AND ADDRESS ON IT.
6. PROVIDE REFERENCES SOME LENDERS REQUIRE 6 OTHERS 10
7. Have a minimum down payment as set by the lender. The down payments on the price of the vehicle; outside lending source is approximately 20% of selling price OR $1000.00, which ever is Greater. NOBODY will be turned down when these easy minimum requirements can be met!!
NOTE; IF YOU ARE COMING FROM OUT OF TOWN PLEASE CALL AHEAD AND BRING ALL OF THE ABOVE REQUIREMENTS; OR FAX OR EMAIL US THE STIPULATIONS TO;