
Q: How can you assist me in reaching my credit goals?
Q: Can I qualify for financing?
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!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