Basic Guidelines
  • Credit scores as low as 510 approved
  • Minimum 5% down payment required on all loans
  • Debt ratio 50% or below
  • Minimum disposable income $800
  • Bankruptcy must be 2 years discharged
  • Repo's must be at least 2 years old
  • Full coverage required on all loans
  • 2 year job and residence history required
  • Income verification required on all applicants (pay stub with year to date)


Terms                     (year of vehicle)
  • 60 months- Current year to 1 year old
  • 54 months- 2 and 3 years old
  • 48 months 4 and 5 years old
  • 42 months 6 and 7 years old
  • 34 months 8 years and older


Print the form below. Fill it out and email it to m.riley27@yahoo.com

    Contact Form