7710 West Gratz Drive
Directions Boise, ID 83709

  • Sales: 208-947-6000
  • Service: 866-540-5419
  • Parts: 866-540-5368
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        Common Auto Credit Questions and Issues | Boise, ID



        Idaho Auto Credit at Larry H. Miller Honda - Boise
        FAQ's

        Q: How can you assist me in reaching my credit goals?

        A: We want to help get you into a vehicle that fits your needs and set a realistic payment goal. When you have re-established a good payment history and good credit, we want to help you with the purchase of your next vehicle.

        Q: Can I qualify for financing?

        A: We used a handful of lenders that specialize in every credit situation. We have a great approval rating and we are able to help customers get loans when other dealerships are unable to.

        Q: How can I ensure a quick approval?

        A: Bring your most recent pay stubs, your most recent utility bill, a valid driver's license, and proof of auto insurance.

        Q: What if I have no cash down or trade-in?

        A: Don't let that discourage you! At Larry H. Miller Honda we have lenders that will help you in situations such as, no cash down or no trade.

        Q: What if I have a trade-in, but owe more than it is currently worth?

        A: We often solve this type of situation due to our large selection of inventory and the great relationships that we have with multiple lenders.


        Q: What if I am new to the area and/or have a short job time?

        A: We can work with any residency length and job time, as long as you can provide us with a letter from your employer.


        Q: What if I do not live in the area?  Can I be pre-approved for an auto loan?

        A: We can get your auto loan pre-approved through phone and  email prior to your coming into town.


        Q: What if I am self-employed? 

        A: We have lenders that will extend to you a loan simply by verifying your income with your previous two years tax returns.


        Q: What if I want to purchase an SUV, truck, van, etc.?

        A: We have a network of 55 dealerships to ensure one of the largest vehicle selections in the area. We want to make sure the vehicle fits your needs, and is something that will be reliable while you are rebuilding your credit. When it comes time for your next vehicle, we will be able to get you into the vehicle you want!


        Idaho Auto Credit
        7710 West Gratz Drive
        Boise, Idaho 83709
        (866) 744-8949

        Hours

        • Monday 8:30 am to 8:00 pm
        • Tuesday 8:30 am to 8:00 pm
        • Wednesday 8:30 am to 8:00 pm
        • Thursday 8:30 am to 8:00 pm
        • Friday 8:30 am to 8:00 pm
        • Saturday 8:30 am to 8:00 pm
        • Sunday Closed

        Questions or Concerns?

         

        Credit Issues

        Chapter 7 Bankruptcy

        Is a liquidation debt that generally takes three to four months from the filing date to discharge. We can arrange auto financing in an open or discharged bankruptcy. When your bankruptcy is open, we can arrange financing prior to your 341 meeting (also known as the meeting of creditors).

        Chapter 13 Bankruptcy

        Is a re-organization of debts typically between one, three, and five year terms. Our lending source will only require that an individual receive written permission from the trustee and/or the bankruptcy court and that your plan has been confirmed.


        Multiple Bankruptcies

        One or more bankruptcies that have been filed or discharged by an individual whether it is a chapter 7 bankruptcy or a chapter 13 bankruptcy. This credit scenario can still secure auto financing.

        First Time Buyer

        This individual usually has no revolving or installment credit history. Buyer typically has no credit bureau score, however, there are lending sources available for this type of buyer.


        Credit Counseling or Debt Consolidation Programs

        This individual has gone to a profit or non-profit organization in an attempt to pay back creditors in full at a reduced rate and/or payment. There are lending sources available for this type of situation.

        Idaho Auto Credit
        7710 West Gratz Drive        , Boise, ID 83709 |         (866) 744-8949
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