Our Program

Our program is designed for individuals who can't get approved for an auto loan with customary lending sources (credit unions, local banks, or the auto manufacturer’s lending arm). These lending sources generally don't lend to individuals with low or bad credit history, recent bankruptcy, low earnings, low down payment, or previous vehicle recovery. Consequently, for these credit challenged individuals, auto financing can seem to be an impossible task. If you’ve had loan applications rejected in the past, we’re here to help you get past that today. We tailor your loan to your individual situation and help you make sure it will fit your budget.

Highlights of the program:

  • Affordable payments
  • Short terms
  • Low down payments
  • Rebuilt credit

The essential qualifications are:

  • Monthly provable earnings.
  • Presently reside in New York State.
  • American citizens or legal residents.
  • Capable to get automobile insurance.
  • Permanent employment or guaranteed fixed earnings for the term of the loan.
  • A working phone number and proof of residence (utility bill or credit card statement).

Convenient payment options:

  • Auto draft your bank account monthly
  • Pay over the phone
  • Pay in person @ any of our payment branches
  • Mail your payment and your payment coupon