I do NOT offer in house financing.  However, I am more than happy to work with your already pre-approved credit union loan, USAA eletronic check, etc.


If you do not already have a relationship with a credit union I a have a few dozen local ones that I can refer you to.


You will notice that I have what looks like a simple credit application on my website, this is actually a tool that we can use together to help guide you in the right direction if you need financing.  It is a no inquiry "credit score" application.  In other words, it will give me your credit score and some basic information without effecting your credit score.


If you have a decent credit score (620+) it is super easy to get approved, takes about an hour or so at most of the credit unions.



Common questions;


*****  WHY DON'T I OFFER IN HOUSE FINANCING?  ***** 


- In 26+ years in this business most of my customer's have paid cash or already have a pre-approved credit union loan, a USAA electronic check, etc.  I think because of the types of vehicles I sell and the price range of these vehicles I have attracted mostly cash buyer's over the years.


It cost both you and I money for me to offer in house financing.  


How it cost me:  When I sign up with a loan servicing company to get you a credit union loan, they charge me $1,000 per month to use that service - that's for good credit customer's.


How it cost you:  They charge you higher interest then if you went directly to the credit union yourself.  The companies that "control" the credit union loans get paid on both ends, they get a kick back from the credit union and they get a monthly fee from me.  It's like a home mortgage, almost always you get a better rate if you walk into the bank directly.  The mortgage broker that makes $3,000-$5,000 in commissions on getting that home loan for you - who ultimately pays that fee - YOU DO!  Once again, the best deals are to go directly to the source.


Simple math:  When there is a "middle man" everyone pays more, that's how they make their money. The credit unions are not going to give you the best available rate on your loan when they have to pay to get that loan.


Conclusion:  If you have good credit, you get the best deals on financing.  Even though I do not offer financing in house, I do know a lot about it.  I am more than happy to point you in the right direction that will fit your needs and situation.



Bad or "challenged" credit customer's really take a beating when it comes to fees/pricing


- Almost all finance companies that will finance bad or challenged credit customers charge, in my opinion, enormous and predatory fees and interest rates.


- When they force me to mark the car up $1,000, $2,000 or $3,000 in order to cover what they call their "discount" fees or "acquisition" fees, well I just don't feel right about that. 


- I believe that someone with credit challenges will make their situation worse by signing for a loan that is so predatory.  Do what Dave Ramsey says, Take $1,000 or $2,000 and buy a dependable clunker, these vehicles do exist.  Can you just open Craigslist and go down the block and buy one - NO!  It takes some time and effort to make sure you get something dependable.  


- I have provided a "Purchasing advise" section/tab on this website to help you in searching for that "affordable" vehicle.  Also, make sure you read the "About Us" page to learn how not to make the same mistakes that I made years ago.


Conclusion:  Most of these "high interest" and "predatory" loans want $1,000-$2,000 as a down payment anyway - use that money to own something outright!  Use your monthly savings to improve your credit situation so you can get away from the "predators".