Credit Challenged? Credit Works Like This...

Bad credit? No credit? No worries!

Learn more about your options by reading below.


At Vann Dodge Chrysler Jeep Ram we have a large inventory of new and used vehicles so you're sure to find the car, van, truck, or suv that you need.  Here at Vann Auto Group we are customer focused and dedicated to making car buying fast, easy, and even FUN!  While many of our customers have the excellent credit to easily qualify for vehicle financing, we also believe in giving folks a second chance at rebuilding credit with an auto loan.

At Vann Dodge Chrysler Jeep Ram, we give you the chance that not many dealers can offer to finance a vehicle regardless of present or past credit history. If you have a repossession, present or past bankruptcy, tax lien, foreclosure, delayed mortgage payments, or child support issues...
 
                                                                                        

What you will need to get financing TODAY


Proof of Income: Current pay-stub (w/year to date earnings) and/or current bank statement

Working at your job for more than 3 months shows that you have steady income to pay for your new car.  If you receive Social Security, simply bring us your last 3 months bank statements or your current award letter.  If you are self-employed or paid in cash it will be best to bring us your past 3 months bank statements

Proof of Residence: Utility bill, mortgage statement, mailed bank statement

With an established a place to live,  you have permanent roots in our community.  Do you pay your rent or mortgage on time, or are no more than 30 days past due? This tells the bank that you take your financial obligations seriously. 

Personal References: Name, full address, phone # and relationship

Providing at least six personal references shows the bank that you have family and community tie within the area.  

Proof of Insurance:  Valid insurance card, insurance policy, declaration page

If you do not have at the time of purchase it is OK we have friends in the Car Insurance Business that will get you same day coverage.    

   
 

IF THIS IS YOUR FIRST TIME BUYING A CAR, TRUCK, OR SUV THE BANK UNDERSTANDS THAT YOU WANT TO ESTABLISH GOOD CREDIT


Vann Dodge Chrysler Jeep RAM is able to offer Many Credit Approval Programs because we have lenders that are specially designed for all different life scenarios based on different credit situations. Our programs will help you build or rebuild your credit by reporting to the major credit bureaus on a monthly basis. 

Benefits of having a great credit score:
  • The ability to obtain major credit cards like Visa, Master Card, Amex & Discover
  • Obtain the lowest interest for future loans with little or NO Money Down
  • The Ability to purchase not just a car or truck but how about a Mortgage for your family
Did You Know?
Out of the roughly 220 million Americans that credit files maintained by the "Big Three" credit bureaus Equifax, Experian &Trans Union, about 1 out of 5 individuals have very poor credit; also know as "deep subprime scores".  According to Experian, research found that somewhere between the third quarter of 2006 and the second quarter of 2009, the number of Americans with really low credit scores rose sharply from 16% to over 40%.

We offer several different payment options with various Lenders such as: 
- Weekly, Bi-Weekly, Bi-Monthly or Monthly with or with out automatic withdrawal from your checking or savings account.


You can get pre-qualified in seconds using our online form by clicking GET STARTED HERE below.  If you need personalized assistance, come in and talk directly with one of our finance specialists.  After a short discussion in many cases you can start to choose from qualified cars in just a few minutes!
                                                              

                                                              




* Credit Approval is conditional according to lender.  Vann Dodge Chrysler Jeep RAM does not guarantee 100% credit approval, certain conditions apply.  Terms, down payment, and interest rate to be determined by individual lender.  See dealer for complete details By submitting your contact information, you consent to be contacted by telephone, email, and/or text about purchasing a vehicle or obtaining vehicle financing. Clicking on the "Get Started Here" button above is your electronic signature.