Is your credit less than perfect? Well don't feel alone, a lot of good people have suffered from credit problems through this rotten economy. Some have lost their job and/or took a cut in pay and some have had to deal with a divorce or medical problems. These days there are so many things that can happen in life that can change your credit rating and most everything else about your life.
We are here to help you obtain financing and get your vehicle needs met. We work with several lenders that understand things happen in life and are willing to help people get going again. We even offer some on lot financing. There are minimum criteria that you have to meet in order to qualify for any financing. Some of the main things that lenders look at is of course your credit, job time, income, residence time and money down. Sometimes if you fall short in one area but you are strong in another area then we can make an exception for the area where you fell short of qualifying. Everyone’s situation is different and that makes it really hard to make a list and say if you meet this then we can help. The best thing to do is give us a call and we can discuss your situation and offer you some options.
The first questions we usually get are, how much down and how much a month? Without knowing your whole situation the only answer I can give is if you have less than perfect credit then the minimum down payment we can work with is $500.00 and the average payment is around $300.00 per month. Understand that with less than perfect credit you can not buy a $12,000.00 vehicle with $500.00 down and $300.00 per month in most cases. However we can get you in a nice dependable vehicle in most cases. Here again remember that everyone’s situation is different.
What makes us different than most is that we take a good old fashion common sense approach to lending. It is no secret that when anyone lends money they want to be paid back. If your credit is less than perfect you are going to pay a higher interest rate. But why pay a high rate for 5 or 6 years? We also understand that it is much easier to come up with a monthly payment than it is to come up with a large down payment. With all of that being said we try to keep your down payment as low as we can and keep the term of your loan as short as we can. Remember that everyone’s situation is different, but if it makes sense then we will do our best to help you.
At Hatcher's Auto Sales we work hard to earn your business and offer you financing on a vehicle that fits your needs. We don't try to come up with empty sayings or make promises that we can not keep. We are just good down to earth people looking to do business with some good folks. We invite you to come and experience doing business with us and become part of the Hatcher's Auto Sales family!