Financing FAQs

WHAT IS BAD OR POOR CREDIT?

Life can be a windy road and sometimes unforeseen circumstances can lead you to fail on repaying loans in full or be regularly late on credit card payments which will affect your credit rating to bad or poor. With BCS Auto Sales, we're here to help.

MY CREDIT IS AVERAGE, CAN I STILL GET APPROVED?

Of course! We have a variety of options and plans to get you the car loan you need.

DOES IT MATTER THAT I'VE BEEN TURNED DOWN FOR A CAR LOAN BEFORE?

We have 3 certified Financing Specialists that act as brokers for your financing needs. They shop around using their unmatched buying power and have over 80 years of combined automotive experience to get you the loan you want.

NOW THAT I'M APPROVED, HOW MUCH OF A DOWN PAYMENT DO I NEED?

Each loan will vary but often you will be approved with no down payment needed.

HOW LONG DOES THE APPROVAL PROCESS TAKE?

We have access to over 30 lenders of all varieties that we will quickly match you up with and quite often, you'll be able to pick up your vehicle the same day!

WHAT IS NO CREDIT?

If you've never taken out a loan or never had a credit card, your rating will be considered as No Credit. Simply getting a loan or credit card that you consistently pay back on time will help to establish a good credit rating.

SHOULD I SHOP FOR A CAR FIRST OR GET A LOAN FIRST?

We often suggest that you apply for a pre-approved loan to determine how much you qualify for. Knowing that you're pre-approved, you can get shop with confidence and save yourself time and hassle.

AFTER BANKRUPTCY, CAN I STILL GET APPROVED FOR A LOAN?

Most definitely! After you've been discharged from your bankruptcy, you can begin to restore your credit rating with an automotive loan.

CAN YOU HELP IF I'M STILL IN BANKRUPTCY?

Most definitely, please inquire with us as we have a variety of lenders to match you up with.

DO I HAVE TO PAY TO APPLY?

Applying online is completely free.

DO YOU TAKE TRADE-INS?

Yes, your old car is worth money and can help to lower your monthly payments!

WHAT IF I STILL OWE MONEY ON THE CAR I'M TRADING IN?

Most of the trade-ins we get still have money owed on them, we simply apply and adjust the difference in your monthly payments.