Spitzer Jeep RAM Brook Park can help you get financing for a car when you have bad credit. We’ve helped tons of people with bad credit obtain the car of their dreams. Our finance department has many years of experience working to help you get approved for a loan that will work for you. We also work with a wide selection of lending institutions, to make sure you receive a competitive loan rate. With our expertise, lots of people looking for a car loan in Parma have discovered success at Spitzer Jeep RAM Brook Park.
The economy has been improving, many lending organizations and financing options are returning into the market. The reality is, that many consumers with bad credit issues are still able to obtain financing on a car. There are some standard documents that you will have to get ready when applying for a loan. They are:
We make the process simple with our online credit application. Simply complete the online application to pre-qualify for your loan and then contact us at 216-284-9963 to schedule an appointment with one of our finance professionals. It’s that simple!
Our team is committed to providing Parma and Brook Park customers with the best value and terrific service in Cleveland. We are devoted to providing an experience that extends well beyond the sale, continuing with terrific service. Our dealership strives to build long-lasting relationships with our customers. We are dedicated to our customers with bad or less than optimal credit, and helping them get the car they’re looking for.
Our financing and loan approval process is easy and quick. We work quickly to get you qualified for a loan on a new Jeep, Ram vehicle. We also have a huge inventory of used vehicles, offering just about every make and model. In case you have any questions about our inventory, please contact our sales team at 216-284-9963. Should you have bad credit, we can help you find financing, and leave with a car of your dreams. We at Spitzer Jeep RAM Brook Park in Cleveland are here to help you find financing.
Here are some additional questions to ask yourself:
Q: Could I obtain an auto loan even if I have bad credit?
A: Absolutely! This is our specialty at Spitzer Jeep RAM Brook Park. We work with a network of partners that are experts in helping those that have unfavorable credit ratings buy a car or truck. Regardless of if you’ve been denied in the past, we suggest you fill out an application again with us.
Q: What would happen if I’ve got a bankruptcy on my record?
A: The Credit Approval program at Spitzer Jeep RAM Brook Park will work to get you qualified for an automobile regardless of where you’re in the bankruptcy process.
Q: I’m disabled or on Social Security, will that affect my loan?
A: Being on disability is not going to damage your ability to obtain financing. Social Security is identified by lending institutions as income and is frequently used in ascertaining the size of loan you qualify for.
Q: What if I’m self-employed?
A: Being self-employed in most cases isn’t an obstacle. Occasionally, evidence of a source of revenue might not be needed whatsoever. If it is, having verifiable income is the main factor. You can easily use tax-returns, bank statements, or canceled checks.
Q: I’ve got a new job, can you work with that?
A: Don’t worry, the finance institutions we work together with at Spitzer Jeep RAM Brook Park analyze dozens of factors outside of just job time. We fully grasp that everybody changes occupations every now and again and we still have ways to get you financed.
Q: What if my trade-in has a larger balance when compared with my car or truck may be valued at?
A: Being “upside-down” on a trade can be an incredible problem for some dealerships as their cars already are priced above retail value. In our case, we frequently purchase cars at a tremendous value specifically for trading clients out of unfavorable equity conditions. Often, that means we should be able to trade you out of your upside-down trade-in while rolling over small if any negative equity.
Q: I don’t have money to put as a deposit, what now?
A: At Spitzer Jeep RAM Brook Park, we would like to talk with you in any event. We now have numerous programs that allow you to put nothing as a down payment. Let us know the amount you are working with and we’ll make an effort to fit the loan package to your conditions.
Q: I’m a first-time buyer, can you help me get an auto loan?
A: Even when you may not have had the option to generate a record of on-time payments, we will help you get there and get you in the driver’s seat at the same time.
Q: Do you offer military financing?
A: Yes, We have numerous Banking Institutions which have specialized in military member financing.
Q: What happens if I’ve got a great credit rating?
A: You’ll find we have excellent plans for those people with excellent credit including Credit Union Direct financing, which offers some of the most competitive rates in the area.
Q: What happens if I’ve got a trade-in?
A: All trade-ins are welcome at Spitzer Jeep RAM Brook Park. Additionally we are known for trading customers out of a poor equity position. For those who have a trade, we would always like to talk to you about it.
Q: Am I able to get a vehicle history report?
A: Of course. We recommend it at Spitzer Jeep RAM Brook Park.
Q: Can I get a copy of my credit report?
A: Yes, but not from us. We’re happy to show you your credit report and discuss it along with you. However, due to privacy laws, we simply cannot supply you with a physical copy of the report. We advise checking out annualcreditreport.com for a free copy of your credit report.
Q: How much will my monthly installment be?
A: There are various variables that go into computing monthly installments such as amount of purchase, monthly interest, term, and down payment. With hundreds of banks, thousands of packages, and a wide selection of autos, your best option is generally to contact us with your budget and we’ll see what we can make work for your particular circumstance.
Q: How long does the application process take?
A: Filling out the credit application physically or online only takes a few minutes. After the application has been submitted, the bank may request additional information such as paystubs, phone bills, bank statements, or they may not request anything. Every bank and every program is different but we’ll help you get everything completed as quickly as possible.
Q: What do I need to bring in to try to get a car loan?
A: You should have these documents: ID or Driver’s License, Title, pay stubs or proof of income. You may be asked to supply utility or phone bills, bank statements, or other similar documents.
