By determining your Credit Profile and using the Payment Calculator you can get an idea of the amount.  Pre-approval amounts will be based on several factors.

By determining your Credit Profile and using the Payment Calculator you can get an idea of the amount.  Down payment amounts will be based on several factors.

Yes, trade equity can be used as money down.  If there is a lien on the vehicle being traded additional money may be required.

Most vehicles are new up to two-year-old vehicles under 50,000 miles and almost all are eligible for extended warranty protection so you do not need to worry about unexpected repairs.

Too many inquiries can make getting an auto loan more difficult.  If you are shopping around know that each time your credit is checked an inquiry will appear on your credit report.  Too many inquiries are often interpreted negatively by creditors.

Pre-qualifications have no minimum qualifications!  Every application is evaluated based on individual credit profile and equity position.  Applicants with previous good auto credit may not have the same income and job requirements as another with recent repossession and/or bankruptcies.

You can still pre-qualify if the repossession still has a balance on the account and is not included in a bankruptcy.  Money down needed and vehicle selection may be more limited.

With an Authorization to Incur Debt from a bankruptcy trustee or if the bankruptcy is discharged The Real Credit Diva can help.

Yes, you will need to consult your bankruptcy attorney to obtain an Authorization to Incur Debt which typically takes two to three weeks.

Yes, The Real Credit Diva has many First Time Buyers Programs.

Income and budget guidelines will still need to be met without the cosigner but may be considered for a buyer who does not meet all the credit requirements.

Yes, if you have a discount plan and the vehicle qualifies just let The Real Credit Diva know.

It is recommended that you consult with your auto loan specialist first so they can determine how much you qualify for before starting the shopping process.  This will help avoid unnecessary credit inquiries and increase the chances of approval.

We have a process that helps us ensure that the application is submitted to get the best possible approval.

The best payments will be on vehicles that are less expensive with under 50,000 miles and will be based on your Credit Profile.  If you have an idea of the interest rate, you can use the Payment Calculator to estimate your payments.

We work to get you the best rate based on your credit profile and qualifications.  Higher credit rating, higher down payments, and newer vehicles will qualify for lower rates.