FAQ
Frequently Asked Questions
What does a car loan brokerage company do?
A car loan brokerage company connects buyers with lenders to help secure the best possible financing options for purchasing vehicles. We work with a network of lenders to match your needs, credit profile, and vehicle type with the right loan.
What type of vehicles do you finance?
We finance a wide range of vehicles to suit your lifestyle and needs, including:
Classic Cars – Vintage, collectible, and antique vehicles.
Used & Older Vehicles – Cars with higher mileage or over 10 years old.
New Vehicles – Brand-new cars, trucks, and SUVs from dealerships.
Recreational Vehicles (RVs) – Motorhomes, campers, trailers, and more.
Motorcycles – Street bikes, cruisers, sport bikes, and touring bikes.
Boats & Personal Watercraft – Including fishing boats, jet skis, and yachts.
ATVs & UTVs – For off-road adventures and utility use.
Do you accept bad credit?
Yes, we work with customers who have bad credit, limited credit history, or past financial challenges. Our network includes lenders who specialize in subprime auto loans, offering flexible terms based on your current financial situation — not just your credit score.
We’ll help you explore financing options that fit your budget and work with you to get approved, even if you’ve been turned down elsewhere. Every application is reviewed individually, so you still have a chance to qualify.
Can I finance a private sale?
Yes, you can finance a vehicle purchased through a private sale. We work with lenders who offer loans for cars bought directly from individual sellers, not just dealerships.
We’ll guide you through the entire process — including vehicle inspections, title transfer, and loan documentation — to ensure a safe and smooth transaction. Whether it’s a car, RV, or classic vehicle, we can help you secure financing for your private purchase.
Can I get a loan for a used or older vehicle?
Absolutely. We provide used and older vehicle financing, including cars over 10 years old or with higher mileage, which some traditional banks may not finance. We work with flexible lenders who understand the value of older cars.
Do you finance private party vehicle purchases?
Yes, we finance both dealership and private party purchases. Our team will guide you through the paperwork and inspection process when buying from an individual seller.
Can I get pre-approved for a loan?
Yes! Getting pre-approved is a smart move. It helps you understand your budget, strengthens your negotiating power, and speeds up the purchase process.
What credit score is needed to qualify for a loan?
We work with a wide range of credit profiles — from excellent to challenged credit. Some loan options are available for credit scores as low as 550, depending on the vehicle type and lender requirements.
Do you offer financing for classic cars?
Yes, we specialize in classic car financing. Whether you’re buying from a dealer or a private seller, we can help you secure tailored loans for vintage and collector vehicles that often fall outside standard lending guidelines.