Finance Requirements

What Do I Need to Qualify for Financing?

Here’s what you’ll need to get started:

1. Proof of Income
   Recent pay stubs or bank statements to show a steady income. Some dealerships may have specific income requirements, but we’ll walk you through it.
2. Proof of Residence
   Bring a utility bill, lease agreement, or mortgage statement in your name to confirm where you live.
3. Valid ID
   Whether it’s your driver’s license, state ID, or passport, we just need something to verify your identity.
4. Down Payment
   Be prepared with a minimum of around $1,500 for a down payment. This amount might vary depending on the vehicle or dealership.
5. Employment History
   A stable job history or consistent employment can really help with your application.
6. References
   You’ll need a few personal or professional references who can speak to your reliability.
7. No Active Bankruptcies
   It’s important that you're not currently in bankruptcy.
   Prior Repossessions? No worries! We can still work with you, even if you’ve had repossessions in the past.
8. Contact Information
   Make sure you have a valid phone number and email so we can stay in touch during the process.

 "Dallas Cars Today offers a variety of financing solutions tailored to fit your unique financial situation. Choose from bank loans, credit unions, or our in-house financing options, all designed with your credit history and purchase needs in mind." 

Applying for Financing: Step-by-Step"Securing financing with Dallas Cars Today is straightforward. Follow these steps:

1. Start Online or In-Person: Begin your application on our website for convenience, or visit us at the dealership for a personal touch.
2. Provide Basic Information: We'll need details about your income, employment history, and the vehicle you're interested in.
3. Submit Necessary Documents: Essential documents include proof of income, proof of residence, a valid driver's license, state ID, or passport, and your Social Security number.
4. Review and Approval: Our finance team will review your application promptly. We aim for same-day financing approval to get you behind the wheel as soon as possible.
5. Finalize the Financing Terms: Once approved, we'll work with you to finalize the terms that best fit your budget and preferences."

 "Unfortunately at this time, we are un able to provide Auto Financing if you have bad credit or have experienced repossessions. We are currently in search for lenders who offer this service, keep in mind your welcome to bring your own third party lender if you have been prequalified. We appreciate your interest and understanding regarding our financing policies."
 

 "Please note that a $500 down payment is unfortunately not sufficient at Dallas Cars Today. Our down payments typically range from $1,500 to $5,000, depending on the vehicle. This policy ensures we align with our inventory and financing options. We encourage customers to consider this range when planning their purchase." 

"Typically, you'll need to bring proof of income (such as pay stubs), proof of residence (such as a utility bill), a valid driver's license, State ID, Passport and your Social Security number."

"At the moment  interest vary between 12% to 20% depending on the Lender and Credit History and Down payment ."

"Payment schedule can vary from, Weekly, Bi Weekly, or once per month, depending on agreed contract stipulation."

 "Explore a diverse selection of vehicles at Dallas Cars Today, including sedans, SUVs, trucks, and more, regularly updated to suit various preferences and budgets." 

Yes, we accept trade-ins! We'll appraise your current vehicle and offer you a trade-in value that can be applied toward your purchase or down payment. Keep in mind that not all vehicle qualify for trade-In based on condition, age, and miles.

"Enjoy peace of mind with a 90-day or 3,000-mile warranty covering the motor and transmission on your new vehicle from Dallas Cars Today." 

"Full coverage insurance is mandatory for financed vehicles, ensuring protection for both you and the lender. Our team can assist you in finding a suitable insurance provider." 

"The financing process can vary between 30 minutes to 1 hour, but we aim to make it as quick and seamless as possible. In many cases, we can provide same-day financing approval."

"Our finance team is here to help with any questions you may have. You can contact us directly at the dealership, or we'll provide you with the contact information for your lender."

"We offer vehicles with both clean and rebuilt titles. Clean titles come with no significant damage history, while rebuilt titles are assigned to vehicles that have been expertly repaired or reconstructed after being considered a salvage motor vehicle." 

"Absolutely!, your welcome to bring you mechanic, all are vehicle are reconditioned with a tune up that included oil change and a 40 point inspection by our inhouse mechanic, and professional detailed, To provide with with a reliable clean car you can be proud of."

"Beyond your purchase, Dallas Cars Today offers scheduled callbacks, free pre-approval consultations, and a 24-hour hotline for any questions, assistance needed, or Customer Service."  HOTLINE #  (214) 242-6959."

Yes you are able to make payment through Zelle, Bank Card, Check, Money Order, or at Dealership.