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Frequently Asked Questions

Buy Here Pay Here Frequently Asked Questions

How do I know if I can qualify for a loan to purchase a vehicle?
First of all, you need to have a job that can be verified, and not be currently involved in a bankruptcy. You will need to present a valid driverís license, 3 of your most recent paycheck stubs, a paid phone or utility bill, six references and a cash down payment. We value and respect your time, and with all these, you can drive away in about an hour. If you are not sure what does and does not qualify feel free to contact us, we are happy to answer any and all questions.

Will buying from AUTO CREDIT USA really help re-establish my credit?
While it can seem like a never-ending cycle for people with no credit, poor credit or even bad credit, there is a way to improve your credit score. With the help of our local lender, GCAC, we can definitely help you establish or rebuild your credit as long as you meet your payment schedule. We report monthly to the Credit Bureau, and your repayment promptness is always noted.

What are the benefits of using AUTO CREDIT USA over a new car dealership?
Unfortunately, once a car dealership learns your credit is less than perfect, they may treat you differently. Most likely they will show you a limited selection of older cars, usually of lower quality, without consideration for what you really want. At Auto credit USA our financing center will listen to your wishes, determine what you need and can afford. Then we find the right car, at the right price, and the best way to get you qualified approved and in the seat of something you REALLY want to drive!

How much can I be approved for?
Our calculations are based on your income and all other financial obligations you may have. With that information, we can determine a payment schedule that fits your particular circumstances. That may be weekly, bi-weekly or another plan. Remember, we want to help you any way we can. Unlike traditional car dealerships and banks, we will work with you to examine your current situation and not your past mistakes. So we can figure out a payment plan that you can afford.

Will I need a co-signer?
Not necessarily. A co-signer with established credit would definitely help you get approved, but in most cases, it is not necessary. We want to help anyone who may have experienced some financial setbacks. Which is why here at this buy here pay here dealer we are happy to accept individuals with no credit or even bad credit here in Fort Wayne, Indiana.

Does it cost to submit a credit application?
Never. We gladly accept all credit apps, in person, online, or by phone. We understand that our customers are hardworking men and women how have had a few bumps in the road. We will work with you to help you to figure out where you need to be with your credit score. Here at this buy here pay here dealer no one is ever flatly turned down. Our salespeople are exhausting every avenue to get you approved and on your way to a better credit score.

How big a down payment do I need?
That depends on the price of the car and your existing credit score. A more significant down payment will always improve your chances of obtaining approval sooner. Not only that but with a larger down payment your car payments will be lower, and you have the possibility of paying your vehicle off sooner rather than later. Which would also help your credit score improve. If you are not sure about how much of a down payment you will need or what you can afford based on your monthly payments, give us a call and we will help you out.
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