Used Car Financing in Bremerton, WA

Often, yes. We work with several banks and lenders, including ones that work with buyers who have a low score, a past repossession or bankruptcy, or no credit history at all.

We can't promise an approval, because the lender makes that decision, not us. What we can do is send your application to the lenders most likely to say yes for your situation, and tell you plainly what they come back with.

No. We are not the lender. We arrange your loan with a bank or finance company, and once the sale is done, your loan and your payments are with that lender.

Lenders usually ask for the items below. Having them with you can save a second trip.

• A valid driver's license
• Proof of income, such as your most recent pay stubs. If you are self-employed or on a fixed income, bank statements, a benefits award letter or a tax return.
• Proof of where you live, such as a recent utility bill or lease with your name and address
• Proof of insurance, or your agent's phone number so coverage can be set up
• Your down payment
• If you are trading in a vehicle: the title or your loan payoff information, and all the keys

It depends on the lender, your credit and the vehicle. In general, the more you put down, the lower your payment and the easier the approval. A trade-in can count toward it.

We will tell you the down payment a lender is asking for before you commit to anything.

When a lender reviews your application, they check your credit, and that can show up as an inquiry on your credit report. If you have questions about that before you apply, call us and we'll walk you through it.

The online application takes about five minutes. We will be in touch within one business day to go over your options.

Yes. If you already have a loan approval from your own bank or credit union, bring it with you. You can also apply here and compare.

Yes. Bring it with you so we can look it over. If you still owe money on it, bring your payoff information and we'll show you how the numbers work out.

Not always. A co-signer with established credit can help if you are a first-time buyer or rebuilding your credit. The application has a place to add a co-applicant.

Your payment depends on the price of the vehicle, your down payment, the length of the loan and the interest rate. The lender sets the rate based on your credit.

Sales tax, license and fees are added to the vehicle price. We will show you every number before you sign anything.