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.
Customers with good to excellent credit have many options when choosing to finance. Let the Finance Team at Guaranteed Motor Cars gather your options for you. We have relationships with multiple banks and lenders that are a good fit for any credit type. Choosing the best auto loan is a big decision. Let us help you save you cash on the down payment and get you the lowest rate. We have a dedicated finance team here to assist you.
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!
Individuals with a credit score of 600 or above can explore a variety of tailored financing options that cater to their credit profile. With a strong track record of over 13 years in the industry, our dealership has cultivated relationships with multiple reputable lenders, enabling us to secure competitive rates and favorable terms for customers in this credit range. We understand that a credit score is just one aspect of your financial journey, and our goal is to structure loans that align with your financial capabilities while providing you with the keys to a vehicle that suits your needs and aspirations.
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.
As a new immigrant, international student, or foreign citizen you may have been turned down for credit before. With an ITIN (individual taxpayer identification number) or work-authorized SSN you can apply for financing through Guaranteed Motor Cars and get approved.
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!
If this is your first auto purchase, you may be a little overwhelmed by prices and unsure if you will qualify for the car that you really want. Our finance team has been helping first-time buyers for over 20 years. We will crunch the numbers for you and take all of the factors into consideration to get yout the best loan at a rate that you can afford.
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.
Many people believe that they have ‘bad credit’ but honestly, your credit score is not the only deciding factor when applying for a car loan. Don’t let prior missed payments, bankruptcy, or even repossession hold you back. Apply with the Guaranteed Motor Cars Finance team. We will structure your loan to get you approved.
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.
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!
With an extensive network of trusted lending partners, Guaranteed Motor Cars ensures that prospective buyers can secure financing regardless of their location. Whether customers are in bustling cities or remote towns, they can take advantage of the convenience and flexibility of nationwide financing. The company's dedicated team of financial experts works diligently to tailor financing solutions to each individual's needs and credit situation, ensuring that everyone has an opportunity to drive their dream car. From coast to coast, Guaranteed Motor Cars is committed to delivering top-notch service and exceptional financing options, making car ownership a reality for customers across the nation.