Frequently Asked Questions (FAQs)
- What type of interest rate can I expect?
- Will you tell me where I have to purchase my vehicle?
- Are there limitations as to the type of car I can purchase?
- I have had some credit problems in the past. Can I still apply?
- My credit is good but very limited. Can you help me?
- I am currently leasing my vehicle and would like to purchase
it at the end of my lease. Can you help me do this?
- I would like to add my spouse to the title of my car. How can I do this?
- My ex-girlfriend/boyfriend is on my current loan. Can I
refinance in my name only?
- What type of refinance rate can I expect?
- How long will this process take?
What type of interest rate can I expect?
All of our lending partners offer a wide range of rates
starting at 3.89% for our qualifying prime customers. By
evaluating your credit history, work history, and income, the
lender will determine the best possible rate for your particular
situation. (Back to Top)
Will you tell me where I have to purchase my vehicle?
Our loan specialists will be happy to refer you to a Dealership in your area; however, you may purchase a vehicle from
any franchised dealership in your state. (Back to Top)
Are there limitations as to the type of car I can purchase?
Our lending partners do have certain guidelines as to the
year, make, and mileage of the vehicle. Your loan specialist will
go over all of these with you when they contact you. (Back to Top)
I have had some credit problems in the past. Can I still apply?
With over 50 years of automotive industry experience, we at
Bad Credit Car Loans are aware that re-establishing car credit can be
very frustrating to a consumer. Our lending partners have programs
especially designed to help customers that have had credit
problems in the past. (Back to Top)
My credit is good but very limited. Can you help me?
It has been said that purchasing a car is sometimes more
difficult than purchasing your first home. Again, our lenders look
at the whole customer profile so that they can help that first
time car buyer. (Back to Top)
I am currently leasing my vehicle and would like to purchase
it at the end of my lease. Can you help me do this?
A lease buy-out is actually considered a refinance loan. We
are partnered with lenders who do these types of loans. When you
are ready to fill out your application, just check the prompt for
a refinance loan. (Back to Top)
I would like to add my spouse to the title of my car. How can I do this?
By applying for a refinance loan, you are able to add
qualifying spouses to your new loan. This in turn allows your new
lender to add the spouse to the title. (Back to Top)
My ex-girlfriend/boyfriend is on my current loan. Can I
refinance in my name only?
As long as you qualify for the refinance loan in your name
only, the other party can be removed. Just let your loan
specialist know this, so they can send the appropriate documents
to be signed, in your loan package. (Back to Top)
What type of refinance rate can I expect?
Our lending partners offer very competitive refinance rates.
Along with evaluating the customer profile, the year, make, and
mileage of the vehicle is taken under consideration. (Back to Top)
How long will this process take?
Usually, the approval process takes less than an hour;
however, it can take up to 24 business hours for a decision. Once
your loan has been approved and you've talked to a loan
specialist, a loan package is sent, over-night, to you. With the
check in hand you are ready to enjoy a stress-free shopping
experience! (Back to Top)
If you have any other question please
feel free to give our customer service specialist a call. (877)
784-1030
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