Credit Assistance Program
Chevrolet Loan & Lease Programs
Searching for car dealerships that accept bad credit? The Rick Hendrick Chevrolet Duluth finance department offers customers access to credit assistance and bankruptcy approval programs that help even the most credit challenged individuals obtain a vehicle. We know that not everyone has perfect credit, but that shouldn’t disqualify them from obtaining the vehicle they want. Regardless of your current credit score or credit history, Rick Hendrick Chevrolet Duluth wants to help!
No problem! Stop by our Chevy finance department today!
Credit Approval Available in Minutes
What Documentation Should You Bring to The Dealership for Financing?
If applying for a subprime car loan, the applicant will have to bring a few additional records. This is because a moneylender is incurring a high risk when financing a subprime car loan.
- A valid driver’s license – Verify your license is not expired, revoked, or suspended. Also ensure the address listed on your driver’s license is current and matches your state of residence.
- Proof of insurance – Take care to include the name of your agent and a reliable contact number. Preemptively adding a new car to your policy will not be necessary until approval.
- Proof of residency – A recent bill for utilities, such as water or electric, is sufficient proof so long as your name is listed and matches the address given.
- Proof of employment – For approval, a recent (within 30 days) pay stub stating your year-to-date earnings is sufficient. Self-employed individuals must provide two years of professionally prepared tax returns.
- A list of personal references – Most finance professionals expect six references. A reference means any individual that knows you personally — be it a family member, friend, or work colleague. Your list should include full names, addresses, and phone numbers. Keep in mind your references cannot reside at the same address. As a courtesy, get permission from your references before listing them as a lender may contact them.
- Phone number verification – Any phone number provided must be in service and under the applicant’s name. Prepaid cell phone numbers will not be accepted.
- Individuals trading in a vehicle must provide the title.
- Individuals who have completed a bankruptcy must provide discharge papers.
- Individual currently in an open Ch. 13 bankruptcy must provide necessary paperwork after receiving an Authorization to Incur Additional Debt from the court.
How to Secure Loans for Bad Credit in GA
Have you been searching for car dealerships for bad credit near Duluth? If so, you are in luck. There are many car dealerships that accept bad credit in the Atlanta area, so driving home in an affordable and reliable vehicle is within reach. If you are looking for programs to help get a car near Lawrenceville, the team at the Rick Hendrick Chevrolet Duluth finance department is here to help. We have provided a list of steps to take before applying for a car loan.
- Check your credit and see if there are any steps you can take to boost your score – Before you apply for a car loan, it is a good idea to check your credit score. If you do not need a vehicle right away, see if there is anything you can do to enhance your score before taking out the loan. Reducing as much debt as possible and paying your bills on time can increase your score, lowering your monthly payments.
- Ensure you have enough saved for a down payment – Putting down money toward your car loan can lower monthly payments, reduce the terms of your loan, and help you get a better interest rate. Even if you have bad credit, lenders will look at your down payment when determining whether to approve your loan.
- Find a cosigner – If you can find a cosigner with good credit, it can greatly increase your chances of getting approved for a car loan.
Contact Rick Hendrick Chevrolet Duluth About Programs to Help Get a Car
When you are searching for Atlanta car dealerships that offer bad credit car loans, contact the team at Rick Hendrick Chevrolet Duluth. We would be glad to help you drive home to Norcorss in the car of your dreams. We look forward to helping you secure a new Chevy Equinox, a Chevy truck, or used car, along with the best possible rates on your lease or loan!