1023 N Broad St
Rome, GA 30161
1023 N Broad St
Rome, GA 30161
The application is secure and comes straight to us. Filling it out does not commit you to anything.
Most people who buy a vehicle from us finance it. We submit your application to lenders we work with, they make the decision, and the loan is with them rather than with us. That is worth saying plainly, because several lots in this area work differently.
We are not a buy here pay here lot. We do not carry your loan, we do not collect weekly payments at the counter, and we cannot approve you ourselves. What we can do is take your application to lenders who look at the whole picture rather than a score alone, including lenders who work with buyers who have been through a repossession or a bankruptcy.
If your credit is strong, that usually means better terms. If you are rebuilding, it means we will tell you honestly what the lenders come back with rather than promising something before we know.
How lender approval works when your credit is thin or bruised ›
Lenders care what they are lending against. A branded title, salvage or rebuilt, narrows your options considerably and can rule out financing altogether with some lenders. Every vehicle on our lot carries a clean title with no reported frame damage, which keeps your financing options open. That is one of the reasons we buy the way we do.
More on what a branded title actually means ›
Yes. We submit your application to lenders we work with, and those lenders review your credit as part of their decision. We are not a buy here pay here lot and we do not carry the loan ourselves.
Often, yes. We work with lenders who lend across the credit spectrum, including people rebuilding after a repossession or bankruptcy. What you qualify for depends on the lender, your income and your down payment, so the honest answer is that we have to submit the application to find out.
A valid driver license, proof of income such as recent pay stubs, proof of residence, and proof of insurance. If you are trading a vehicle in, bring the title and any payoff information.
A lender pulling your credit creates an inquiry, which can affect your score slightly. Multiple auto inquiries in a short window are generally treated as one shopping event by the major scoring models.
No. Some lots in Rome finance in house and collect payments directly. We are not one of them. We work with outside lenders, which means your loan is with a bank or finance company rather than with us.
Tell us what you are looking for and roughly where your credit stands. We will tell you what is realistic before you come down.