Frequently Asked Questions About Bad Credit Auto Loans in Tennessee
What are the basic requirements I need to get approved for a vehicle?
We accept all forms of income, most recent pay stub, canceled checks, W2's, self-employed (1099), child support, government benefits, unemployment compensation and bank statements. Valid Tennessee d.l., full coverage auto insurance and proof of residence (any type of bill with your name and address).
You also must be at least 18 years of age.
I’ve been turned down at both buy here-pay her dealers and franchise auto dealers in the past because of my credit. What is different with Dr. Credit at Russell Barnett Kia?
Most of the dealers in Middle Tennessee have inexperienced personnel handling the toughest assignments. We pride ourselves in sitting down with every customer and talking to them on a individual level to find out how they got into the current credit position they are in, so we can best help them with a personalized solution.
We have many years of experience in doing this type of special finance. With over 35 years in Middle Tennessee, we work directly with 5 dealerships in the Winchester and Tullahoma Tennessee area. This gives us access to over 900 new and used vehicles. So with our inventory selection we have plenty of vehicle options for everyone.
With our size and reputation we have been able to build special lender relationships that many other dealers in Tennessee do not have. With those relationships "EVERYONE!!" is approved when you come see the Doctor Credit Tn Team. We have helped hundreds of customers that were denied at other dealers before they came to us, and they are driving around happy in their new vehicle. But don't just take our word for it here is a customer from McMinnvile, Tn that said, " I didn't think it was possible and I would just be wasting my time." When asked why he said "Because I have worse than bad credit!!". Here is his video in his words:
If I have filed for Bankruptcy, can I still get approved for an auto loan?
The simple answer is "Yes". Again going back to our lender relationship's, we have teamed up with several finance companies that will approve an auto loan for those who have filed for bankruptcy and that bankruptcy has been discharged. It is possible to get approved for a vehicle while still in bankruptcy. However, getting financed for a vehicle before you have completed the bankruptcy is not a simple process.
I am tired of getting turned down for finance loans and paying high interest rates! How do I raise my credit scores? Will getting approved on a vehicle help?
We get this question a lot, and the GREAT NEWS is we have several ways to help raise your credit scores. Getting approved for an auto loan can help your credit scores if payments are made on time and in full. There are other ways to raise your credit score as well. One great way to improve your credit score is by establishing a line of revolving credit. Opening a credit card account and using it in a smart, effective way can be a great tool to establish a line of revolving credit which will give you an account that builds time in the bureaus.
My favorite way and the one that has a faster impact on raising your credit scores is enrolling with a Credit Repair Company. By realizing the effectiveness of this process. Doctor Credit Tn has teamed up with a Credit Repair Company and we offer 90 days of this service and no cost to the customer. Our goal is to help people get to better credit health one step at a time.
How long does the process take?
Most of our customers drive home the same day in their new or pre-owned car. We work on an appointment basis, this way everyone get's the time and attention they deserve. After we receive your application, we will contact you to set up the appointment. You will be asked to bring a few things with you when you show up for your V.I.P. appointment. Having these items when you arrive will help make sure that the time spent getting you approved on your next vehicle, is in fact time well spent.
You can Contact Us by call 931-588-0253 or stop by our office located at 915 South Anderson St. Suite A Tullahoma, TN 37388.
You can start your process now by clicking the bottom below: