Are you planning to Finance Your Next Car or Truck.
Frequently Asked Questions
I have bad credit. Can I get approved for a car loan?
In almost every case: Absolutely! You’re Approved! Auto Finance is in the business of helping people with bad credit finance quality cars, trucks, and SUVs. Our job is to help people establish or re-build good credit. Almost everyone is approved. The exceptions are people with serious outstanding criminal warrants, no valid driver’s license or no income. At Integrity Auto Finance we want to approve you and we will work to get you approved.
My last car was repossessed. Can I get approved now for another car loan?
Yes, in almost every case. Integrity Auto Finance believes that some used car dealers and Buy Here Pay Here dealers set customers up to fail. Some dealers figure that they can sell the same car time after time and make more money that way. They might charge little or no money as a down payment and then set up high payments that are more than you can afford. It is as if they are setting you up to fail so they can repossess the car and sell it to someone else.
At Integrity Auto Finance we don’t play that game. We understand that many people whose cars have been repossessed will be good customers when they are able to get a good vehicle and payments they can afford.
I have just gone through a divorce and lost my car. Can I get approved at Integrity Auto Finance?
At Integrity Auto Finance we understand that divorce can be a painful, disruptive experience that can lead to bad credit and financial problems. But you still need a car or truck to get to work, to get kids to school, to get groceries, to get to church and to get around. We understand and we want to help and that means we will do everything we can to help you get what you need for a payment you can afford.
I am a single Mom. Why should I go to Integrity Auto Finance?
At Integrity Auto Finance we get it. You will deal with people who are single Moms or single Dads, or who grew up in a single parent home. We have been there and some of us are there right now. We get it and we sincerely want to help in any way we can.
At Integrity Auto Finance we know it is important to have a car or truck that is reliable – our pre-owned cars, trucks, SUVs, and vans have undergone a thorough 132 point service checklist before they are put on the lot for sale. We believe our vehicles are reconditioned to a level way above any of our competition. It is part of our “Golden Rule†mission to treat others the way we would want to be treated ourselves.
Our Heartland Service Plan is designed to help you with the car or truck after you buy it, including service for oil changes and maintenance check-ups. We are genuinely committed to being that one place you know you can trust to treat you fairly and honestly.
We also know that a new car, truck or SUV won’t do you any good if it is repossessed, so we structure payments that you can afford. When you are on your own it is especially important that your car loan is set up so you can succeed.
And if you should need service after the Heartland Service Plan expires, we have a customer whose main job is to help customers whose car or truck needs service. She is not single, but she is a Mom.
I have filed bankruptcy. Can I get approved at Integrity Auto Finance?
Yes – at Integrity Auto Finance we want to finance your future, not turn you down based on your past. The purpose of bankruptcy is to get a fresh start for a better future. Integrity Auto Finance wants to be part of that future and help you establish new and better credit.
A car loan is a good way to establish or improve credit. We want to approve you and a prior bankruptcy should not get in the way. If you are currently in bankruptcy there are special rules depending on the type of bankruptcy. Give us a chance to work with you and we will see what we can do to get you a new ride.
How will they decide whether to finance me?
Integrity Auto Finance is interested in your situation now, not what it was in the past. We want to finance your future, not worry about your past. The important factors will be your income, employment, personal references, and residence in Oklahoma. We do not rely on credit scores.
What information should I bring with me to help me get financed?
Since we don’t base a financing decision on your credit history, we need the information to verify your income and ability to pay.
1. Most recent pay stubs for you, and your spouse, if married.
2. Information regarding employment, including job, company name and address, supervisor, time at that job, and prior employment experience.
3. Copy of utility bills to verify residence.
4. Contact information for mortgage company or landlord.
5. List of personal references, including their name, address, phone numbers and place of employment.
6. Trade-in, if any, including the title and information about where it is financed.
Who will decide whether to finance me?
Integrity Auto Finance has a Dealers Finance Co. Loan Approval Manager on site to review your loan application, assure the payments are affordable, make sure the payments are set up to correspond to when you are paid, explain the Heartland Service Plan, get your insurance information, and to meet with you and answer questions. The Loan Approval Manager’s job is to get you approved for a vehicle you can afford and will be proud to own.
Will I be pressured?
No. Buying a car is a big deal and no one wants to be pressured. At Integrity Auto Finance our approach is to let you walk the lot to look at our wide selection of pre-owned cars, trucks, and SUVs. You can take as long as you want, and then a Customer Sales representative will help you pick out the car, truck or SUV you want and then start the car loan approval process.
You will not be pressured about your down payment. If you are asked if you can put more money down it is only to help get you approved for the vehicle you have selected or to be able to lower your payments to an amount we think you will be able to afford. The pressure is on our team, not you, to help you buy and finance a vehicle you can afford and will be proud to own.
How much is the down payment?
At Integrity Auto Finance the down payment will depend on what car or truck you want to buy, your situation and how much you can afford as payments.
The more you are able to pay as a down payment the less your payments will be. Another advantage of a down payment is that it helps you pay off your car loan quicker, meaning it will cost you less interest.
At Integrity Auto Finance we encourage you to pay down as much as you can because it will save you money. On the other hand, if you don’t have much to spare for a down payment we will work with you to get you in a car or truck you like and can afford.
Will it be expensive?
If you have bad credit it does cost more to get financed because you represent a higher perceived risk. But it doesn’t always have to be that way.
Integrity Auto Finance can help you improve your credit in several ways. First, our financing company Dealers Finance Co. will report your credit experience with Dealers Finance Co. so you can use your good experience with us to re-build your credit. A car loan can be a very good way to establish or help improve your credit history.
Second, Integrity Auto Finance will give you a complimentary copy of the best-selling Recreditpair self-help software that you can use to help clean up your credit history. This is a $78 value and is a tool that you can use yourself to remove any incorrect entries on your credit history.
Third, Dealers Finance Co. has programs to reward you for on-time payment. This includes programs to reduce your interest rate and build a fund to be used for service, accessories or a down payment on your next vehicle with us. There is also the Loan Pay-off Sweepstakes!
Fourth, once you establish your good credit with us we can help you buy and finance more vehicles from us with reduced interest cost.
