Straight Answers to Your Questions

Yes, it's absolutely possible. We work with dealerships in the New Orleans area that specialize in financing for customers with credit scores as low as 500. These dealers look at the full picture — your income, employment stability, and ability to make payments — not just a number.

A down payment is highly recommended — it increases your chances of approval and typically leads to better loan terms. That said, some of our partner dealers offer $0 down options depending on your overall financial profile. Your assigned dealer will walk you through what's possible for your situation.

Yes. Some lenders in our network work with individuals who have an open Chapter 13 bankruptcy, provided it has been approved by the court. Chapter 7 bankruptcies typically need to be discharged first, but don't count yourself out — reach out and let us check.

Yes. Many of our partner dealers have extensive experience working with customers who have a prior repossession on their record. We believe in second chances — and a repossession from even a year ago doesn't have to define your options today.

Most lenders in our network require a minimum gross monthly income of around $1,500. This can come from regular employment, self-employment, or fixed income sources such as Social Security, disability benefits, or pension income. Consistency and verifiability matter more than the source.

No. Our initial application is a simple contact form — we do not perform a hard credit inquiry. You can explore your options without any impact to your credit score. The dealer may eventually run a hard pull as part of the formal financing process, but only with your explicit consent.

Once you submit your application, you'll typically hear from a local dealer within 2–4 hours during business hours. Many applicants receive a call the same day. The dealer will then work with you at whatever pace is comfortable.

Yes! Most of our partner dealers accept trade-ins. Your trade-in value can often be applied to reduce your down payment or lower your overall loan amount, making financing more accessible. Mention your trade-in when you speak with your dealer.

Our partner dealerships offer a wide range of new and used cars, trucks, and SUVs. The specific vehicle options available to you will depend on your individual financing approval, down payment, and monthly payment target. Your dealer will work with you to find the right fit.

Standard documents typically include: a valid driver's license, proof of income (pay stubs or bank statements for the past 30–90 days), proof of residence (a utility bill or lease agreement), and proof of insurance. Your assigned dealer will confirm the exact requirements before your visit.