Getting Started

If you meet the requirements below and can provide the necessary documents, we're ready to help you find your next vehicle

  • Must be a US resident, and at least 18 years of age
  • A minimum of $1600 gross monthly income, required for credit scores below 650
    Bring the following documents and materials:
  • A recent pay check stub, or 3 months bank statements for self-employed
  • Utility bill, or bank statements for proof of residency
  • Copy of phone bill, or family plan, for proof of phone
  • Valid Driver’s License

A Smarter Approach

Traditional auto dealer’s finance departments are accustomed to working with prime credit customers. They often lack the expertise, experience, patience and appropriate lending partners to effectively assist credit challenged consumers. Smart Auto Finance provides a unique approach, tailored to effectively accommodate customers facing troublesome credit issues.

The first step towards a new car is the completion of our credit application. Our superior, comprehensive application takes into account the many variations among lender scorecards, allowing our specially trained finance experts to evaluate your credit profile quickly and accurately.

Next, you’ll meet one-on-one with a member of our well-trained staff. Our knowledgeable Finance Experts are ready to educate you about your purchasing options and ways to improve your credit.

Once we have secured appropriate financing arrangements, it’s time to select one of our many quality cars that fits your needs and your budget. This process prevents the disappointment of finding the “perfect” car, only to be declined for financing. We make the car buying process quick and easy, with many of our customer’s driving home on their first visit.

Come in to see how Smart Auto Finance is a little different, and a lot better.

We’re Here to Help