click here to visit LightStream
Great Credit Financing
LightStream is a subdivision of SunTrust Banks. They offer low interest, unsecured loans for highly qualified consumers. LightStream offers "the-anything-loan" which can be used to finance any used vehicle from a private party or dealer. Their loan processing is seamless and they are very customer orientated. They require a minimum FICO score of 700 to qualify.
LightStream takes approximately 24 hours to process an application and sometimes can produce results the same day. There is no cost to apply for a loan and they don't charge junk fees either.
LightStream is a subdivision of SunTrust Banks. They offer low interest, unsecured loans for highly qualified consumers. LightStream offers "the-anything-loan" which can be used to finance any used vehicle from a private party or dealer. Their loan processing is seamless and they are very customer orientated. They require a minimum FICO score of 700 to qualify.
LightStream takes approximately 24 hours to process an application and sometimes can produce results the same day. There is no cost to apply for a loan and they don't charge junk fees either.
click here to visit Auto Credit Express
Bad Credit Financing
Auto Credit Express is designed for people with less than perfect credit. If you think your scores are below 650 then you should consider applying with ACE. Your interest rates will be higher than with LightStream, but at least you'll be able to secure the financing you need to purchase a vehicle and secure reliable transportation.
ACE requires that you have at least $1,500/mo or more of income. Depending on your credit score, ACE can find you financing sources, even if you have issues on your credit like a bankruptcy, public record or tax lien. There is no cost to apply for a loan and they typically respond within 24 to 48 hours.
Auto Credit Express is designed for people with less than perfect credit. If you think your scores are below 650 then you should consider applying with ACE. Your interest rates will be higher than with LightStream, but at least you'll be able to secure the financing you need to purchase a vehicle and secure reliable transportation.
ACE requires that you have at least $1,500/mo or more of income. Depending on your credit score, ACE can find you financing sources, even if you have issues on your credit like a bankruptcy, public record or tax lien. There is no cost to apply for a loan and they typically respond within 24 to 48 hours.
Dealer or Private Party
There are pros & cons to buying from a dealer and/or a private party owner.
Our vehicles come from one of three sources: (i) auction, (ii) trade-in or (iii) consignment.
No matter which way you acquire a vehicle, the dealer is really just a temporary (“broker”) of the vehicle. That simply means that the dealer will take the vehicle from one party (the previous owner) and transfer ownership to a new party (the new owner)-you!
A dealer is simply a broker in the middle! This broker/dealer disposition doesn’t mean that the vehicle does or does not have issues, it simply means that the dealer is NOT in a position to do anything about the condition of the vehicle, other than offer you extended warranties from third party companies.
With that being said, we recommend that you consider the terms of the transaction when weighing the risk of future repairs. If the "deal" you're getting is great then the risk may be diminished. Consider who you're purchasing from. There might be a good reason the purchase price is so low. You have to consider other aspects of the transaction. If you're a cash-buyer, then it's all about the purchase price. If you're a bad-credit buyer who has to finance, then what is your interest rate going to look like.
There are pros & cons to buying from a dealer and/or a private party owner.
Our vehicles come from one of three sources: (i) auction, (ii) trade-in or (iii) consignment.
No matter which way you acquire a vehicle, the dealer is really just a temporary (“broker”) of the vehicle. That simply means that the dealer will take the vehicle from one party (the previous owner) and transfer ownership to a new party (the new owner)-you!
A dealer is simply a broker in the middle! This broker/dealer disposition doesn’t mean that the vehicle does or does not have issues, it simply means that the dealer is NOT in a position to do anything about the condition of the vehicle, other than offer you extended warranties from third party companies.
With that being said, we recommend that you consider the terms of the transaction when weighing the risk of future repairs. If the "deal" you're getting is great then the risk may be diminished. Consider who you're purchasing from. There might be a good reason the purchase price is so low. You have to consider other aspects of the transaction. If you're a cash-buyer, then it's all about the purchase price. If you're a bad-credit buyer who has to finance, then what is your interest rate going to look like.