Exactly what does E-Z Car Credit do? We help people with credit problems such as bankruptcy, no credit or bad credit; get reliable transportation and a car loan, at terms they can afford. Most car dealerships are not prepared to deal with the credit challenged person. We are the specialists, this is all we do. We treat our customers with the respect they deserve. Have you been treated rudely or differently at a car dealership when the salesperson found out you had credit issues? Not at E-Z Car Credit! Any credit problem you may have, no matter what it is, we’ve seen it before. Nothing you say is going to surprise us, or embarrass you. E-Z Car Credit has helped over 1,000 people in the four states get the car, minivan or truck they want. No other dealer or vehicle finance company in the four states has done more than E-Z Car Credit has. We can help you.
Do you need large down payments? E-Z Car Credit locations have vehicles starting with down payments as low as $199.00 We know you work hard for your money. You can use a trade in as a down payment also. Even if you don’t have your down payment right now, you owe it to yourself to contact us and let us show you what we can do. In addition, all E-Z Car Credit cars come with the exclusive E-Z Car Credit warranty. We offer not only the car, but peace of mind as well.
What are the requirements for purchasing a vehicle at E-Z Car Credit? • 9 personal references with complete address and phone number • Proof of current address along with landlord or mortgage holders phone number • Proof of income • Valid driver’s license • Valid Phone number • Proof of insurance • Your trade or down payment
How do the payments work? Payments can be weekly, bi-weekly, or monthly, based on income, your personal situation and the vehicle purchased. We are able to provide more flexible financing options than new car and ordinary used car dealerships, because we are the lender. The decisions are ours to make. This gives us an advantage the other guys just don’t have. Payments are usually made at our office but can be mailed in and soon can be made online. We will custom design a financing program based on what works best for your individual situation.
How long does it take? Chances are we probably have the vehicle you want, at one of our 3 locations right now. About half of our customers can drive home in an E-Z Car Credit vehicle the same day they visit us. Others may need to go home and bring us pay stubs or other information to be able to take delivery. If you bring in all the information we need, it can take as little as 20 minutes! With 3 offices to choose from, our inventory selection is always good. You can even apply on-line 24/7 and be pre-approved before you arrive at our office. It doesn’t get much easier than that.
What types of people buy cars from E-Z Car Credit? E-Z Car Credit helps all kinds of people buy cars. We understand that good people can and sometimes do have credit problems. E-Z Car Credit has helped professionals, white collar and blue collar workers, medical professionals, divorced people, people with unpaid bills and many others from all walks of life. What you do for a living, where you live, or where you went to school does not define, you or your credit situation. Race, religion, gender or marital status is not an issue. At E-Z Car Credit, you are treated as an individual. Not just a credit rating. Our credit specialists will discuss with you the vehicles and loan terms that work for you. And remember, no matter whom you are or what your credit situation, we will treat you with dignity and respect.
Do you take trade-ins? Yes, we take trade-ins of any make, model and year. If you owe money on your trade, please be sure to bring your finance information with you including account number, phone number, and name of bank or finance company.
I have a bankruptcy, can you arrange financing for me? Yes, as long as the bankruptcy is discharged. You may be asked to bring some paperwork with you confirming this.
What kind of cars do you sell? At E-Z Car Credit, we sell all kinds of cars, SUV’s, minivans and trucks, including work trucks. We have sporty 2 doors, 4 door sedans, minivans, and sport utilities. Mileage varies, but starts at about 60,000 miles. We have vehicles up to 2004’s in stock now. Do you need a work truck? How about something a little more reliable? Is a minivan more convenient for your growing family? Whatever you need we have it at one of our locations.
How do you help people rebuild their credit? E-Z Car Credit gives car loans to people that banks and most car dealerships don’t want. Our goal is to build a long term arrangement with you. The loan you receive will fit your ability to pay. Many of our customers are able to upgrade vehicles in 12-24 months from their first purchase from us. Your successful loan completion at E-Z Car Credit will enhance your credit rating. Plus, when you buy from E-Z Car Credit, we help you stay current. Your payments may be made weekly or bi-weekly instead of monthly making it easier for you to budget. And because we don’t shop your loan around to a bunch of banks, your credit report won’t suffer by making it appear you’re looking for money-which is exactly what happens when you buy from other dealerships. Also, most payments are made at our office. Our E-Z Car Credit customers get to know our sales and credit consultants, and we get to know you. This personal “relationship” helps you work through some of the potential problems you may have making payments. Try that at a bank!
If I want to be approved for a E-Z Car Credit loan, what do I have to do? You have a number of choices….. First, you could stop by one of our offices and talk to one of our credit specialists in person. They will speak to you about your credit situation in a relaxed manner. Once your budget and needs are established, you can select a vehicle. Or… You can phone one of our offices and do it over the phone during regular business hours. We don’t have a “24 hour computerized” phone system. Every person is different and we want one of our credit specialists to speak to you in person. We don’t want some machine telling us which customers to approve. That personal touch is one of the things that make E-Z Car Credit different. Or… You can apply for pre-approval online at this site. Just go to our “Online Credit Approval”, fill out the information, and one of our credit specialists will personally review it. Then we contact you by phone or email within 24 hours!
What makes you different from the other car dealers advertising for people with credit problems? Many things make us different, but here is a short list… We are The “Car Credit Specialists.” This is all we do. Over 1,000 customers and 14 years experience 3 locations to choose from Exclusive E-Z Car Credit Warranty Professional, experienced, highly trained staff Some of the best vehicles you will find! We match the car, payments and term of the loan to your individual situation We are in this for the long haul. We will always be here when you need us
The E-Z Car Credit Advantage And remember…If you have credit problems, and need a car, then you need E-Z Car Credit! Payments can be weekly, bi-weekly, or monthly, based on income, your personal situation and the vehicle purchased. We are able to provide more flexible financing options than new car and ordinary used car dealerships, because we are the lender. The decisions are ours to make. This gives us an advantage the other guys just don’t have. Payments are usually made at our office but can be mailed in or even made online. We will custom design a financing program based on what works best for your individual situation.