Banks judge you only by a number.
We judge you by your story and your current stability.

Here’s what traditional lenders look at:

  • Credit score

  • Past late payments

  • Debt ratio

  • Thin credit history

  • Recent collections

If you check any of those boxes, they decline your application immediately.

But at small, customer-centered dealerships, we work with flexible lenders who understand real life:

  • New jobs

  • ITIN

  • First-time buyers

  • Rebuilding credit

  • Divorce

  • Medical bills

  • Life setbacks

We look for one thing above all:

“Can this person realistically make their payments moving forward?”

If the answer is yes — you’re approved.