How it works
Leonardtown Ford works with a wide network of lenders, from the big banks to credit unions to lenders who specialize in rebuilding credit. Your application goes to the lenders most likely to say yes for your situation, not a shotgun blast that dings your report. Tell me your situation up front. I have heard it all, and the more I know, the better I can place the deal.
What improves your odds
- A down payment. Even a modest one changes the lender's math.
- Proof of income. Recent pay stubs or bank statements. Self-employed is fine; bring what shows the money.
- A realistic vehicle. Lenders approve a $14,000 commuter more readily than a $45,000 truck. I will point you to the vehicles that make approval easiest.
- A co-signer, if you have one. Optional, but it opens doors.
What I will not do
I will not tell you that you are approved before a lender says so. I will not bury fees in the payment. And I will not put you in a vehicle that costs more than you can handle just to get the deal done. A car loan paid on time is one of the fastest ways to rebuild credit, and that only works if the payment fits.
Text me your situation and I will tell you what is realistic, or start the secure online application and I will follow up.