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    • How it works
    • Get Approved
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Cars and Loans Direct
  • Home
  • How it works
  • Get Approved
  • FAQ
  • Testimonials

Frequently Asked Questions

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Most applications take less than 3 minutes to complete.


Because we work with numerous lenders and qualified dealerships, we’re able to match financing options and vehicles based on each customer’s unique situation. While approval is never guaranteed, we’re proud to maintain a 99% approval rate for customers who complete the process and provide the required information.


Whether you have good credit, bad credit, no credit, or are rebuilding your credit, our goal is to help find options that work for your needs and budget.


Yes. We work with customers in all types of credit situations, including bad credit, no credit, repossessions, and bankruptcy.


Most customers hear from us within 10 minutes after submitting their application during business hours. 


No. Our pre-qualification process uses a soft credit inquiry, which does not impact your credit score.*


If you chose to move forward with purchasing, your credit will be ran only with your permission and after you have completed a full credit application. 


No. Getting pre-qualified does not obligate you to purchase a vehicle. 


We would be happy to evaluate your current vehicle for a trade-in. You can either bring it in to one of our local affiliate dealerships for an appraisal or use our online trade-in calculator to get an estimated value. 


A member of our team will review your application and contact you to discuss your options and next steps.


Yes. Your information is encrypted and securely submitted.


Every application is different, and some customers may need less information depending on their situation. Typically, we may request:

  • Driver’s License or ID 
  • Proof of income 
  • Proof of residence 
  • Valid contact information 

Additional documents may be requested based on the lender and financing program.


Cars and Loans

Texas, USA

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