We specialize in helping people like you to get the best loans possible on a late model car, truck, van or SUV. Regardless of your credit history we can help. Poor credit, bad credit, no credit, bankruptcy, divorce, slow-pay, repossession, collections, charge-offs and whatever else you've done to your credit, we want to try and help you.

Don't be embarrassed, we operate in a confidential environment, we want to help you. We can't help everyone but we know for certain that we can't help you if you don't apply.

Remember, if you don't apply, we can't help.

Let us put you in the drivers seat to credit success!

Apply Now

Banks use different methods to determine a customer's credit worthiness. Some base their loans on a credit scoring system, some use your past credit performance and other use residence and job stability.

Our interest rates vary from around 5% to the limit of 38.00%. Of course, there are exceptions to every rule and much depends upon your credit score and past history.

We estimate your rate when we are reviewing your credit application and then we go to work to get you the best rate that your credit deserves. If you have absolutely terrible credit expect to pay the 38.00% rate. If your credit is fair - some good credit and some slow-pay - you may be in the 10% to 14% range. After a recently discharged bankruptcy you will pay between 15% and 18% depending on your credit prior to the bankruptcy.

How does this affect your payment? Using an $11,000.00 loan for 60 months, here's an example:

The only way we can determine your rate is to see you and your credit score. The average length of time it takes to repair credit is about 30 months - if you pay your car loan PERFECTLY. The average cost from good credit to poor credit per month is about $40.00 per month or $1,200.00 over the 30 months. What's it worth to you to have good credit? On a daily basis the cost amounts to $1.33 per day - that's it!

So, if you have had credit problems and can afford that $1.33 per day to drive a new vehicle - you need to contact us and put yourself on the road to credit success.