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Loan Requirements


They ask how can that be true? They say, "I had 10 other dealers tell me no, and one asked me to return the car they sold me!"
We really can get an approval for anyone!
Here is how it works.
  1. Take the time to fill out our online application. Fill it out with the most accurate information you can.
  2. One of our friendly staff members will call you and go over your approval with you.
  3. Or you can call us; our phone number is listed at the top of our website.
What do I have to Provide to get my car?

1.    Proof of income with a minimum of $750.00 per month is required

  • - Most recent Pay-stub (If you don't have pay-stubs you can use the last 2 months Checking Account Statements Showing total deposits or copies of canceled checks from your employer for the last 2 months)
  • - Social Security with an Award Letter or the last two months of bank statements showing the deposit
  • - Optional- Alimony, Child Support, and Retirement

Question? I get paid cash under the table. Can I qualify?

Answer! Yes, if you deposit the money into a Checking Account. If you can't prove the deposits, then no. (You can always get a cosigner that is able to prove income, their credit does not matter and it doesn't matter if they already have other cars financed we just need the income.)

2.    Proof of Residence. The bank wants to know where you live.

  • - Utility Bill (electric, gas, water, home, or DSL) with your name and address
  • - Checking Account Statement with your name and address

Question? All the utilities are in another person's name, can I still qualify?


Answer! YES! Just tell us upfront, as we have a solution for this as well.


3.    Checking Account (Not required, but helpful)

  • - If you have regular Pay-Stub, we only need the last monthly checking account statement.
  • - If you are using Bank Statements for income we will need the last 2 monthly Checking Account Statements

Question? I don't have a Checking Account, can I still qualify?


Answer! YES! Just tell us upfront, as we have a solution for this as well.


4.    References

  • - 6 references with name, physical address and phone number
  • - They must all be at different phone numbers and addresses

Question? I don't know 6 people?


Answer! Ask a few people at work, most are happy to help you. Don't worry their information does not end up on telemarketers lists.


5.    Down Payment

Each individual will have different down payment requirements. The amount down that is required is function of your overall credit tier, and the car you will like to buy. We will work hard to make sure that your down payment is as affordable for you as possible. 


Be realistic, if you have a fresh repossession, or two, your down payment requirements will be higher than that of a person that has paid off a vehicle loan recently. The down payment is also determined by the vehicle that you choose. If you just had a repossession , and you only have $1000 down, please do not expect to buy a lifted Chevy Duramax, Cadillac Escalade, or a BMW sports car. We can get you approved, but the vehicles that you qualify for will be dependent on your down payment. If all you have is $1000 and you have had two Repossessions it will most likely be basic reliable transportation, not a luxury car. Let us know how much money you currently have for a down payment and we will work with what you have to get you into the best vehicle possible with the amount of money that you have. 


Let us know what your situation is, here at Capitol City Auto our main goal is to make sure that your payments on your new vehicle are affordable and not a burden to your every month. The same way this credit building program can help you establish or re-establish your credit; it can also hurt your credit rating if the payments are too high for you and you are paying the payments late every month. This will negatively affect your credit rating. Our goal is to find you a vehicle you are comfortable with and will help you build your credit no matter the circumstances.


Question? I don't have all of my down payment today, but you have the vehicle I really want now. What do I do?


Answer! Call us, or submit an application. If you agree to the terms, we will make sure you don't miss out on the vehicle you want.

Change Your Life with On-Time Payments!

Take advantage of this opportunity to establish or re-establish your credit by making on-time payments on your vehicle. Your payments will be reported to all three major credit bureaus allowing you to build your credit one payment at a time.

After paying off your contract with a history of on-time payments, you'll have more financial freedom to:

  • - Purchase a newer vehicle
  • - Finance at lower interest rates
  • - Purchase a home
Make the most of this opportunity to BUILD A POSITIVE CREDIT HISTORY!

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