I had a chapter 7 discharged 10-2016. Applied to multiple lenders and they all wanted $750-2000 down depending on the car. My daughter came across the lender's info one night and decided to give it a shot. I was initially approved with $1500 down.y daughter has worked in finance before so she played with different vin numbers and sales prices until she got the approval to zero down. All I had to do was upload proof of income, d/l and proof of insurance and within 48 hours I was told I could go pick out my car. The key with getting approved with zero down and shaky credit is to buy new. I aggressively negotiated my sales price and made sure the dealer knew I already had financing. This kept them from knowing I was sub prime so they didn't try to play too many games on the price. All in all I'm happy with my loan and my car. As a side note, you may want to pick up the gap insurance springboard offers...I normally don't get it but wanted the added protection because I bought new and didn't put money down. It was only $225 and was added to the loan but of course the price will vary depending on your amount financed.
Branch staff is friendly and helpful. Loan process completed in a reasonable amount of time. The instrest rates are high for someone with less than perfect credit. Comparable with a credit card. Was not helpful with refinancing and does not offer features like skip a payment.
I have been actively trying to build my credit after my bankruptcy. I got an amazing rate (considering I had a bankruptcy on my credit) but my monthly payments were still too high. I went on a limb applying with Autopay and they got me approved within 24 hours and at a lower monthly payment (and better rate)! I worked directly with Craig Call and he was informative and understood my needs for this loan. He never kept me in the dark and kept me in the loop through every step. They had the convenience of texting (which was perfect since I don't have the access to take phone calls throughout the workday). I highly recommend this company!!!!
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