🙋‍♀️ Got Questions?

I Got You.

If you’re wondering what to bring, how to get approved, or whether your situation is “too messy” — you’re in the right place.

I’ve got answers!💬

“Your ad says guaranteed approval… is that for real?”

Yep. If you make at least $1,000 a month, we have lenders willing to work with you—regardless of credit score, job gaps, or past hiccups. That’s what we mean by guaranteed credit approval: we will find a way.

“What if I’ve filed bankruptcy?”

Still come in. We’ve got lenders who specialize in helping folks who’ve filed. In fact, we can usually get you approved even if your bankruptcy hasn’t been discharged yet. For real.

“How much money down do I need?”

It depends on the lender and your situation—but we’ve gotten tons of customers approved with little to no money down. A bigger down payment can help your terms, but don’t let it stop you from showing up.

“Will this help my credit?”

Absolutely! Every lender we work with—including our in-house option, Valley Car Credit—reports to the major credit bureaus. That means every on-time payment helps boost your credit score. Whether you're financing through a traditional bank or doing buy here, pay here, you're building your credit with us. And we love to see that glow-up.

“Why can’t I get the exact car I want if I’m approved?”

Every lender has different rules—some cars might be too old, too expensive, too cheap (yep), or outside the mileage limits. Our job is to match your approval to a car that works and feels like a win for you.

“Why do you need all my paperwork?”

Lenders want proof that you live and work where you say you do, and that you can afford the payment. It’s not personal—they ask for this from almost everyone. Your info is safe and only used for the approval process.

“I have good credit—can I still work with you?”

Heck yes! We work with some of the best banks and credit unions around. If your credit is solid, you’ll likely score great rates (often under 5%). And we’ll still make it super easy for you.

“Can I get approved before I come in?”

You can start the process online and even get a preapproval—but to finalize everything, we’ll still need you to come in. That’s when we can submit your info to the lenders, match you to the best option, and negotiate on your behalf.

Want to speed things up? You can email me a copy of your ID and your most recent proof of income so I can get your file ready ahead of time. That way we’re one step ahead when you arrive.

“What do I need to bring with me?”

Bring your driver’s license, your most recent paystub, and any proof of income or address you’ve got handy (like a utility bill).

Getting SSI or disability? Bring your most recent award letter.

If you’re self-employed or get 1099 income, you’ll need to bring three months of bank statements showing steady deposits and/or three months of canceled checks.

Got a trade-in? Bring the keys, the title, and any payoff info if you still owe on it. Don’t know your payoff? No problem—we can call the bank and get it for you!

“Do y’all take trade-ins?”

Yep—whether it’s paid off or not, we’ll appraise it and see what we can do. If there’s still a loan on it, we’ll try to work with the bank and help pay off the balance if possible. If there’s equity, we’ll apply it toward your new ride. If not, we’ll talk through your options together.

And if your trade isn’t running? That’s okay too! Bring us the VIN, mileage, title, and a few clear photos of the inside and outside. If it’s something we can work with, we may even be able to arrange a pickup for you. 🚗💬

🧠 Car Buying Tips (Especially if You’ve Got Credit Challenges)

Whether it’s your first time or your fifth, these tips can help:

✅ 1. Be honest about your budget

Tell us what you can realistically afford monthly. We’ll help you find the best options within that range (and won’t try to push you into something that doesn’t work).

🧾 2. Bring as much info as you can

More info = faster approval. Think paystubs, SSI award letters, bank statements, or canceled checks if you’re self-employed.

🛻 3. Trading something in?

Bring your keys, title, VIN, and mileage. Not running? We can still possibly take it—photos of the interior/exterior help us evaluate it.

🔎 4. Be flexible

You might not get approved for the exact vehicle you had in mind—but we’ll show you options that work for your budget and still feel like an upgrade.

💬 5. Ask questions!

No question is too small or too silly. We’re here to explain things clearly—judgment-free and pressure-free.