IF ANY OF THESE BEST DESCRIBE YOUR CURRENT AND/OR PAST CREDIT PROBLEMS, ONE OF OUR CREDIT ANALYSTS WILL REVIEW IT AND WORK WITH YOU TO GET YOU APPROVED FAST!

 
  • Multiple Repos
  • Divorce
  • Bankruptcy
  • First Time Buyer
  • Child Support
  • New Job
  • No Credit
  • Slow Pay
  • Paid in Cash
  • Upside Down
  • PT Employment
  • Recently Moved
  • Charge Offs
  • Other
HOW CAN COLE CARS HELP ME GET A CAR LOAN?
As a Credit Challenged Car Dealer, our representatives will be your financial representatives. We specialize in bad credit auto loans. We boast the best success rate in helping you acquire auto loans. We have a full understanding of the uncertainty and sometimes embarrassing financial situations that arise when purchasing a vehicle. We don't just present ONLY credit to our finance companies? We present the vehicle, your income and willingness to make the low car payments as an overall package to get you the new or use car of your choice without paying typically high auto loan rates.

COMMON CAR CREDIT QUESTIONS ANSWERED

What if I'm Self employed? 
Being self employed in most cases is not a problem.

What if I have a trade in? 
Trade ins are welcome - running or not. If you owe money or have clear title we can help. 

What if I have a repossession or bankruptcy? 
Many of our customers have had repossessions and bankruptcies. We are here to help you re-establish your credit.

What if I have a new job? 
This is mostly a myth. Everybody changes jobs. What they are looking for is your ability to repay the loan.

What if I'm Disabled or on Social Security? 
Nearly all of our lenders welcome customers on a fixed income. 

How much income must I have? 
The usual minimum income required is about 1200 a month or $300 per week, but varies from lender to lender

Do you report to the major credit reporting agencies?
All of our loans are 100% bank financed and all our lenders report to the major credit reporting agencies.

What if I am a first time buyer? 
We have MANY programs for first time buyers.

What if I owe more on my trade than it's worth?
In most cases we can get a little extra help from the bank to overcome negative equity. We're here to structure a deal that helps you.

How much will my monthly payment be? 
That depends on your situation. Our lenders specialize in looking at many factors to provide you with an affordable payment. Remember, they want you to be successful in repaying your loan!

Will I need a Cosigner?
You may not need a co-signer. In order to put you in the best financial situation, a co-signer that is available will be taken into consideration.

ITS AS EASY AS 1-2-3
First - Search our inventory for quality used vehicles; sedans, coupes, SUVs, trucks, minivans, and vans. Our inventory features many different years, makes and models! We update our huge inventory daily, so be sure to check back regularly for new vehicles added to our inventory!

Second - Visit our Online Credit Application and apply for financing on one of our beautiful per-owned vehicles! Once we receive the application we will process it and you'll be approved in no time!

Third - Buy the vehicle of your dreams and drive off the lot worry free! We also offer warranties on select vehicles, simply ask your sales professional for any further information. Just bring your drivers license, proof of income and proof of residency

FIRST TIME BUYER PROGRAM

The First Time Buyer Program is a perfect program for those who are looking to get their first auto loan and don't have a co-signer. Imagine if you will all of the hard work that you have put in to get your first job, finding an apartment... whatever. What do you need next? Well, you'll probably need a new car. It has been proven that getting an auto loan is one of the better ways to start building your credit. With the First Time Buyer Program you can get a brand new car, build your credit and even SAVE MONEY! No down payment is required for most that are eligible as rebates can be applied for your down payment. Call us today if you would like to take advantage of the First Time Buyer Program.
 
WE FINANCE YOUR FUTURE, NOT YOUR PAST!