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Over 90% of all car loans are approved!
Rapid responses to all inquiries!
All application fees will be waived!
Frequently Asked Questions
Is there a cost for applying for the auto loan?
There are no fees, no cost or obligation after you apply, no processing fees or upfront fees. Apply online now!
How long will this process take?
The auto loan application only takes a few minutes to complete. The application processing takes from 1 hour up to 24 business hours to complete. Once your loan has been approved an authorized loan representative will contact you to schedule an appointment. Enjoy a stress free car buying experience by applying today from the convenience of your home. Apply online now!
Can I apply with some past credit problems?
We understand that most people have had some credit problems at one time or another. We have programs available for almost any credit situation including late payments, divorce, charge offs, bankruptcy, repossessions and much more. Read more about credit score guidelines or car financing basics and car buying tips.
What is the difference between sub prime and prime auto loans?
Special Finance or sub prime borrows are for people with bad credit, interest rates are generally higher. Prime lending is for people who have excellent credit, with no recent derogatory marks on their credit history.
Should I apply now or after I find the right vehicle?
Apply now and find the right auto loan before shopping for a vehicle. Determine the payment amount and terms upfront that fit your budget. Then shop for a vehicle with auto loan approval. This will help you to negotiate a better deal with most auto dealers.
Does applying to multiple lenders for auto financing have a negative affect on my credit bureau score?
The credit reporting agencies say that all credit inquiries within a 14 day period associated with one type of buying are consolidated into one inquiry for scoring purposes. If you are applying for an auto loan and then apply for another type of credit it may affect your ability to extend credit.
What determines my auto loan interest rate?
Interest rates are based on several factors including your credit rating, payment history and income to debt ratio. Other factors include down payment and vehicle factors like year, make, model and mileage. These factors vary with different lenders.
Do I need a down payment?
Down payment amounts vary based on your present credit standing. It is possible to purchase with as little as no money down. Most lenders recommend that you do not finance the tax and license amounts in the loan. These fees are about 10% and are recommended as a down payment or as trade in equity.
What basic criteria are needed to apply for auto financing?
You must be at least 18 years old. Your monthly income from one source of employment and "other income" (court ordered child support, documented rental income, etc.) should be a minimum of $1,500 with credit scores less than 620. All bankruptcies must be discharged. No repossessions in the last 12 months unless included in the bankruptcy. Lender criteria varies no all applicants will qualify.
I've tried other online services and local auto dealers. How can Need2BuyaCar.com help when others can't?
It starts with our credit application. Many other websites collect only enough information to obtain your credit report. Our application is the most comprehensive in the industry. It was designed by scores of experienced finance managers that have placed tens of thousands of loans for people with special needs. Our application takes into account variations among numerous lender score cards allowing our finance managers to evaluate your credit profile quickly and accurately.
If I purchase a vehicle from an auto dealer, how do I know that I am getting a good deal?
Our nationwide authorized dealer network has thousands of new and used vehicles to choose from. They are committed to providing you with the best service possible, the right car, truck or SUV at a price and payment that fits your budget. Apply today.
About Us
We are Northern Florida's leading car buying service for people with special circumstances like reposession, slow pay or bankruptcy. Contact Us to discuss your specific situation - we'll find a solution!