Will buying a car hurt my credit?
Actually, a car loan will help rebuild poor credit, so opting for an auto loan now can help you secure a better rate in the future as well.
Will my interest rate be higher with bad credit?
Not necessarily. We work with many banks and credit unions to get our customers the best, most reasonable rate as possible.

I’ve never had credit before. Can I get pre-approved?
Yes, we can work with first time buyers. You can even start the pre-approval process from home using our secure financing application, accessible via our website. However, since you’re new to the financing process, you might want to visit the dealership so that our finance team can help you complete the paperwork.

Can I use my trade-in as a down payment?
Yes, you can. Using your current car as a trade-in is a great way to lower your down payment. You may need to put down additional money if there’s a lien on the vehicle that you’re trading in. Our sales consultants can help you determine how to get the most out of your trade-in value.

What will my new monthly payments be?
This depends on a variety of factors. Monthly payments are based on your credit profile as well as the price of the vehicle you’re buying. For instance, newer cars with lower mileage qualify for extended terms. To help you narrow down your used-car search, you can also receive an instant estimate of your monthly payments using our payment calculator.

What are the next steps?
Simply fill out a finance application from the comfort of home. Once we receive your information via this encrypted form, one of our financial consultants will reach out to your with the next steps. Need assistance completing the form? Feel free to reach out to us at 888-462-0145 for visit our facility at 1350 Post Road in Warwick for one-on-one assistance.