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cheap used cars for sale in staten island
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Financing

Useful links for applying for financing:

We will help you to get financing for your car

To Apply fot loan you can use those Finacial companies:

Understanding Car Financing - How to Guides at DMV.org
Confused with all of the car loan jargon? This guide will help you make sense of the car loan process DMV. ORG - More info
Understanding and managing your credit

The most important factor in getting financing via a car loan is your credit score. It is important to know your credit score before you start shopping for a car and the loan to finance the car. Understanding your credit score ahead of time helps to put the power in your hands.

Remember, your credit score will be a deciding factor in the interest rate you receive on your loan. Your credit score is a method for the lender to measure the risk they take by lending you money. The score takes into account factual information related to your credit history. To obtain your credit score, please visit our trusted partner My Private Credit.

If you have bad credit, it is never too late to recover and improve your credit score. There are some simple steps that will go a long way in repairing your score.
Be sure to pay all of your bills on time. Normally credit scores are lowered because of a bad payment history. If you want to begin repairing your credit score, it is imperative to begin to build a positive payment history.

Pay down your balances on credit cards. Just because your credit card has a limit does not mean you should use all of it. Paying your cards down will not only save you interest expense over time, it will help improve your credit score.

If you have no credit history, open a checking account and credit card. More importantly, once you open these accounts, be sure to manage them effectively by not overdrawing your account or bouncing checks. Use your credit card sparingly and try to pay your monthly balances in full. Following these practices will put you on the path to having a good credit score.

Frequently Asked Questions

1. How much income must I have?
2. How much will my monthly payment be?
3. What if I don’t have money to put down?
4. What if I have a bankruptcy?
5. What if I have a new job?
6. What if I have a trade-in?
7. What if I have repossession?
8. What if I'm a first-time buyer?
9. What if I'm disabled or on Social Security?
10. What if I'm self-employed?
11. What if my trade-in has a larger balance than what my car is worth?
12. Are there any fees associated with your auto loan application?
13. Can I get an auto loan even if I have bad credit?
14. How long does the application process take?
15. If I buy a Pre-Owned Vehicle, how can I be sure it is reliable?
16. What are the interest rates for my auto loan?
17. What kind of vehicles can I get through your service?
18. Will it help if I have a co-signer on the loan?


Q. How much income must I have?
A. The usual minimum income required is about $1,500 per month. But this amount varies among lenders.

Q. How much will my monthly payment be?
A. This is determined by several factors such as amount of purchase, interest rate, term and down payment.

Q. What if I don’t have money to put down?
A. We have many programs that allow you to put zero money down, or when down payment is required, allow you to defer all or part of it.

back to questions

Q. What if I have a bankruptcy?
A. Whether it’s a discharged Chapter 7 or an active Chapter 13, we have many lenders who specialize in auto loans for people with this specific need.

Q. What if I have a new job?
A. Everybody changes jobs. Your ability to make regular, on-time payments is the important part.

Q. What if I have a trade-in?
A. Trade-ins are welcome, whether they are running or not. If you owe money or have a clear title, we can help.

back to questions

Q. What if I have repossession?
A. Many of our customers have had repossessions in the past. Our business is helping you, the customer, re-establish credit.

Q. What if I'm a first-time buyer?
A. The biggest challenge for first-time buyers is typically related to not having a large credit file for the lenders to review. But we can still help you get behind the wheel at our dealership.

Q. What if I'm disabled or on Social Security?
A. Being on disability does not hinder your ability to obtain financing. Social Security is recognized by lenders as income and can be used in determining what size loan you qualify for.

back to questions

Q. What if I'm self-employed?
A. Being self-employed in most cases is not a problem. Having verifiable income is the key.

Q.What if my trade-in has a larger balance than what my car is worth?
A. In most cases buyers can get a little extra help from the bank to overcome negative equity, or what is commonly referred to as being “upside down” in your trade-in. This takes the form of rolling the negative equity of your previous vehicle into the loan of the new one.

Q: Are there any fees associated with your auto loan application?
A: This is an absolutely free service.

back to questions

Q: Can I get an auto loan even if I have bad credit?
A: While it might take a little bit more work, the answer is “yes”. We work closely with a network of partners that specialize in helping people with bad credit buy a car. So even if you’ve been turned down before, we invite you to try again with us because we believe we can help anybody.

Q: How long does the application process take?
A: The process begins the moment you fill out an online application. We immediately begin working on your behalf to help you secure a loan to purchase a car, truck, or SUV you need.

Q: If I buy a Pre-Owned Vehicle, how can I be sure it is reliable?
A: We offer Protection Plans and Extended Warranties that will cover your vehicle and give you peace of mind.

back to questions

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 auto loan expert will explain these factors, and tell you exactly what your interest rate will be.

Q: What kind of vehicles can I get through your service?
A: We provide all types of vehicles, both new and used. Sport utilities, vans, trucks, passenger cars, luxury cars and sports cars.

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.

back to questions

 

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