Our Process

Our Process2019-04-05T13:03:36-04:00

Trying to get a car loan with bad credit, after a bankruptcy, or with no credit may seem like an impossible feat, but the process can actually be more pleasant than you might think. At Car Loans Kingston, we are taking the stress out of the car buying process by not only finding you just the right vehicle, but also by getting you financing, no matter your financial history. We understand that mistakes and unavoidable mishaps happen and that your credit score doesn’t define you or automatically mean that you are irresponsible with your money.

We have experts on site that can help you get a car loan with any type of credit at the lowest possible interest rate. They will be able to explain exactly what documents they need, and after doing a little research, they will be able to tell you how much you can afford to spend on a vehicle and exactly how much you can expect to pay per month. This will help you not only leave in a vehicle that you love, but also to feel comfortable with the monthly payment you will be taking on, rather than scared of outrageous interest rates that others might charge you!

Will I need to put any money down?2019-02-11T03:08:05-04:00
Down payments are not usually required.
How long does the loan process take?2019-02-11T03:07:47-04:00
We can have you driving your new vehicle in less than 24 hours.
What kind of interest rate should I expect?2019-02-11T03:07:28-04:00
Interest rates on car loans vary from 4.99% to 29.9%. Our credit experts will work hard to get you the lowest possible rate every time.
What kind of vehicles do you have in stock?2019-02-11T03:07:09-04:00
We work with partner dealerships Kingston Dodge and Autos Unlimited to ensure we have all makes and models available for our customers! If you don’t see it on either dealership’s list, we can likely find it for you.
I am currently going through a bankruptcy. Are you able to get me approved on a car loan?2019-02-11T03:06:29-04:00
No problem. With your trustee’s approval, our lenders will finance you even if you have not yet been discharged from your bankruptcy.
I recently came out of a bankruptcy. Are you still able to get me approved?2019-02-11T03:06:08-04:00
Absolutely! Our lenders will finance you even after a bankruptcy.
I have already been turned down by a few places- how are you able to get me approved?2019-02-11T03:05:43-04:00
Most traditional banks and finance companies base their decision to finance a customer on their previous credit history. Car Loans Kingston deals with reputable lenders who base their decision on your current circumstances. In most cases if you are working, you are approved. Click here to get approved right now!