QUALITY AUTOMOTIVE GROUP |  VEHICLE FINANCING TIPS (SPECIAL FINANCE)

Ok, so you are excited to hop into your shiny new car and now they are asking for some money! Now it gets fun… right? Yeah, we all know that buying a vehicle can sometimes be an emotionally driven impulse. Getting the facts on financing before you start your shopping will help you get to the right vehicle at the right price. A Lender will look at your Credit Score and Debt to Income when determining whether to loan you the money, the rate to give you, and the term of the loan. Be sure to investigate different financing options... for example, you might find that leasing will produce a lower payment and keep you from getting “buried” in debt.

Q-Tip: See our Special Finance Department if you are a first time buyer with little to no credit or struggling with financial problems such as Bankruptcies, Divorce, Late Payments or Default Mortgages.

Fix Your Credit Score
Not sure if you have the credit power needed to get you into your dream vehicle? There are a few different levels that your credit score can take you. To be at the top you have to be in the mid 700's or higher. If you have a credit score below 615-630 then you most likely are considered a Subprime Borrower. Learn how to fix your credit free today with fixmyQredit.com!

Debt to Income
When determining loan applications, Lenders will also look at your Debt to Income Ratio. For example, if you are making $5,000 a month, bringing home $3,300 and have $3,000 in bills & expenses, you probably won’t be approved for a $600 per month payment.

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Bankruptcies, Divorce, Late Payments, Default Mortgages & First Time Buyers 

We are available for consulting by phone or in person.

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