Who can qualify?
Benefits of financing with Guaranteed Motor Cars
- We run your credit once and provide offers from multiple lenders, this will not lower your credit score.
- We have established relationships with lenders and finance options only available to reputable dealerships.
- Over 13 years of experience, we can structure a loan to finance anyone.
The reality is that if you work with someone not as familiar with the vehicle financing process you may be hurting your chances of getting approved.
Full Spectrum Financing
Customer Story
This is Trent, his credit score is 800 and with excellent credit he knew that he would get the best rates. Trent came into the dealership pre-approved with a loan from his credit union. The Guaranteed Motor Cars Finance team was able to beat that rate saving him thousands of dollars!
600+ Credit Score
Customer Story
Meet Josh, a determined individual with a credit score of 623. Fueled by the desire to own his dream car, he turned to Guaranteed Motor Cars for assistance. With their expertise and extensive lender connections, Josh's credit score became just a number. The dedicated finance team worked their magic, securing him an affordable and tailored financing solution. Josh drove away not only with the car he wanted but also with newfound confidence in his financial journey.
Work Social Security Numbers or TIN
Customer Story
This is Raul, he came into the dealership unsure if he could be approved for a car loan. Raul has a work-authorized Social Security Number. This means that he is a foreign citizen living and working in the United States. The Guaranteed Motor Cars Finance team has specific lenders that work with any credit situation. Raul submitted his finance application and had his approval in minutes!
First Time Buyers Program
Customer Story
Bernice is a first-time buyer with no prior credit history. She needs a reliable car to commute to work and school. She chose the cars that she liked online and came to Guaranteed Motor Cars to check out her options. Bernice drove away in a Honda Accord. Now the car loan is helping to build her credit.
Bad Credit, No Credit, Bankruptcy
Customer Story
Tom and Stacey have a complicated credit situation. Tom filed for bankruptcy a few years ago and Stacey has a high debt to income ratio. Generally, these are the reasons why finance applications are turned down. That is not the case at Guaranteed Motor Cars! Our finance team was able to negotiate a great rate on a joint finance application. They even saved extra money by trading in their old car.
Co-signers
By adding a co-signer to your loan you can increase your chances of getting approved for a lower interest rate. There are many reasons why you may want a co-signer on your loan. Here are just a few of the top reasons:
- Low monthly income
- Low credit score
- High debt
- First-time buyer with low monthly income
- Your cosigner’s good credit will lower your interest rate
Customer Story
Omar’s son fell in love with a BMW X5 at Guaranteed Motor Cars. He decided to co-sign on the loan to help his son finance the luxury car at a reasonable interest rate. We understand what it’s like to have a dream car and we can help you make that dream come true!
