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Whether you are looking
for a brand new car or a previously owned one, find automotive
financing for your wheels with Radio Financial. Even if
your credit is less than perfect, you can apply online for
free, day or night. After submitting your secure
application, you will be contacted by a representative who
will discuss your car loan and bad credit options with you. Over 90%
of past applicants were approved!. |
Now it is easier than ever to get approved for automotive financing. Even if you have bad credit, no credit, bankruptcies, or repossession, you can get approved.
With an assortment of lending programs to fit every person and every situation, the new or used car you need is within reach. Are you a first-time buyer with little credit history? Are you looking for a no down payment loan? Has your credit report seen some rocky activity? We can help!
Enter your zip code in the box above to get started. From here you will be taken to our secure automotive financing application. The application is quick and painless, and you will receive a response shortly after.
Basic Auto Loan Approval Requirements
- Must be at least 18 years of age
- Minimum gross monthly income of at least $1,500
- All bankruptcies must be discharged
- No repossessions within past 12 months, unless included in bankruptcy
- Financing is not available for private-party or motorcycle purchases
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Common Dealership Vocabulary and Terminology
Before you visit the dealership to shop for your next vehicle, it is a good idea to become familiar with some of the
phrases and terminology that you're likely to hear while you are there.
Auto History Report
A detailed account of a vehicle's history, including major repairs, water damage, accidents, etc. It is generally a good idea to check a used vehicle’s history report before buying.
Clear Title
A title that has no outside interest in it; only one person owns that vehicle. This means there are no liens (as with a financed vehicle) of any sort.
Demo
This refers to test driving a new or used vehicle.
Extended Warranty
A sort of insurance policy that protects a vehicle owner by paying for repairs caused by mechanical failure and break-downs. Most new vehicles come with warranties.
F&I
This refers to the Finance & Insurance office where documents are filled out and signed. Once you decide to buy a particular vehicle, you will likely visit the F&I office.
GM
General Manager: The GM is the boss at the dealership. He is in charge of the salespeople and day-to-day business.
Inspection
Refers to safety or emissions testing on a vehicle. Some states require a vehicle’s “road worthiness” to be inspected every year or two.
Lease
An alternative to buying, with a lease you make a monthly payment (that is generally smaller than if you purchased) and you get a vehicle for a pre-determined amount of time and then give it back after the term. Could be considered a long-term rental arrangement.
Market Value
The average of prices being asked for a vehicle by dealers and private sellers.
Repossession
When somebody finances or leases a vehicle and then does not make his payments, the bank will have the vehicle taken back, or repossessed.
Retail Value
The asking price for a vehicle that you can expect to see at a dealership.
Trade-In Value
The price you can expect to receive for your old vehicle at a dealership.
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© RadioFinancial.com 2005 |
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