Q: What makes Simple Auto Finance different?

A: Simple Auto Finance believes in building personal relationships with our customers so we understand your unique financial needs. This helps us tailor financial solutions to what you need. Our payment center staff is trained to understand financial challenges like yours.


Q: What are the minimum qualifications to get pre-approved?

A: There are no minimum qualifications to pre-qualify. Each loan application is decided individually, based on your unique financial situation. Specific documentation is required, including a driver’s license or identification, 2 bills to prove your address, and 2 paycheck stubs.


Q: I've had a problem that makes other dealers say NO. Can I still get approved?

A: Absolutely… Simple Auto Finance has financing solutions no other dealer has. While most banks and finance companies turn down people with problems, we understand that even good people go through hard times. We specialize in financing people who need a second chance or first-time buyers just starting out.


Q: How long will it take for me to get approved?

A: The credit accelerator takes less than 5 minutes to fill out. In most cases, we will have an answer within 60 minutes, and if everything is in order, you can take delivery on the spot. To speed up the process, call a finance specialist at214-778-1112 or use the Credit Accelerator online.


Q: What do I bring to my appointment?

A: To speed up your approval, please bring these items with you:

  • Clear title to your trade-in vehicle, if applicable
  • Down payment in cash (no personal checks)
  • Proof of ALL income (year-to-date pay stubs, tax returns)
  • Recent utility bill in your name and with your current address

Q: How Much Is My Down Payment?

A: Yes. That amount may vary if you still owe money (have a lien) on the vehicle, as well as the vehicle’s condition, mileage, age, and other factors that influence how much it’s worth. Bring the vehicle title along with other paperwork if you’re thinking about a trade-in.


Q: Will inquiries affect my credit rating?

A: Possibly. When creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which creditors may view negatively. Too many inquiries can make it harder to get an auto loan.

Q: Will co-signers help me get pre-approved?

A: A co-signer may be considered for a buyer who does not comply with all the credit requirements. The income of the buyer, however, must meet all the income and budget guidelines without taking into account the income of the co-signer. Remember, Simple Auto Finance wants you to succeed.


Q: What will my payments be?

A: Payments are based on your credit profile and how much money you borrow to pay for the vehicle.


Q: I had a repossession less than a year ago. Can I still pre-qualify?

A: If the repossession was not included in a bankruptcy and there is still a balance on the account, you may qualify. You may be required to put more money down.


Q: I've never had credit. Can I get approved?

A: We have several first-time buyer programs. Fill out the Credit Accelerator online application and a financial specialist will review your specific financial situation.


Q: I've been turned down before. How can you help?

A: We use state-of-the-art technology to evaluate your credit profile, available inventory, income, as well as debt factors. Our process ensures that each application has the best possibility of approval.


Q: Should I find a car first before applying for an auto loan?

A: We recommend that you consult with one of our finance specialists first. They can determine how much you qualify for before you start shopping so you don’t fall in love with a vehicle you can’t afford. Remember, extra inquiries can hurt your credit report. This method will increase your chances of approval.