Solutions Auto Credit - Frequently Asked Questions

 

Exactly what does Solutions Auto Credit do?

Answer:

We help people with credit problems such as bankruptcy, no credit or bad credit, get reliable transportation and arrange car financing, at terms they can afford. Most car dealerships are not prepared to deal with the credit challenged person. We are the specialists, this is all we do. We treat our customers with the respect they deserve.

Have you been treated rudely or differently at a car dealership when the salesperson found out you had credit issues? NOT AT Solutions Auto Credit! Any credit problem you may have, no matter what it is, we’ve seen it before. Nothing you say is going to surprise us, or embarrass you. Solutions Auto Group has helped countless people in SW Oklahoma get the car, minivan or truck they want. We can help you.
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Does that mean you charge high interest rates?
Answer: No – We Normally Don't Charge Interest!! We offer terms as long as 24-60 months. In some cases, our payments are lower than a normal car dealer's. In addition, our loan process is quicker and easier than ALMOST anybody!
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Do you need a large down payment?
Answer: Solutions Auto Group has vehicles starting with down payments as low as $500. Our exclusive $500 Today – Drive It Away program is the foundation of what we do. We know you work hard for your money. You can use a trade in as a down payment also. Even if you don’t have your down payment right now, you owe it to yourself to contact us and let us show you what we can do. In addition, all Solutions Auto Credit cars come with the exclusive Solutions Auto Group warranty. We offer not only the car, but peace of mind as well.

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What kind of cars do you have?
Answer: At Solutions Auto Group, we have all kinds of cars, SUV’s, minivans and trucks, including work trucks. We have sporty 2 doors, 4 door sedans, minivans, and sport utilities. Mileage varies, but starts at about 30,000 miles. We have vehicles up to 2008’s in stock now. Do you need a work truck? How about something a little more reliable? Is a minivan more convenient for your growing family? Whatever you need we have access to it. Every vehicle has been serviced so you can be sure of safe, reliable transportation.
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What are the requirements for acquiring a vehicle from Solutions Auto Group?
Answer: You will need a valid Oklahoma Driver’s License, most recent pay stubs or proof of income, proof of full coverage insurance, your trade if you have one (along with the title), and any down payment you may have. You will talk to one of our credit specialists, and we’ll show you vehicles that fit your budget and credit situation. At Solutions Auto Group, we want the vehicle, and the loan, to fit your specific needs.
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How do the payments work?

Answer:

Payments can be weekly, bi-weekly, or monthly, based on income, your personal situation and the vehicle acquired. We are able to provide more flexible financing options than new car and ordinary used car dealerships, because we are the lender. The decisions are ours to make. This gives us an advantage the other guys just don’t have. Payments are usually made at our office in cash. We do offer electronic transactions as well. We will custom design a financing program based on what works best for your individual situation.
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How long does it take?
Answer: Chances are, we probably have the vehicle you want in stock. About half of our customers can drive home in a vehicle the same day they visit us. Others may need to go home and bring us pay stubs or other required documents to be able to take delivery. If you bring in all the information we need, it can take as little as 20 minutes! You can even apply on-line 24/7 and be pre-approved before you arrive at our office. It doesn’t get much easier than that.
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What types of people get cars from Solutions Auto Credit?

Answer: Solutions Auto Credit helps all kinds of people get another nicer or newer vehicle. We understand that good people can and sometimes do have credit problems. Solutions Auto Credit has helped professionals, white collar and blue collar workers, medical professionals, divorced people, people with unpaid bills, and many others from all walks of life. What you do for a living, where you live, or where you went to school does not define, you or your credit situation. Race, religion, gender or marital status is not an issue. At Solutions Auto Group, you are treated as an individual. not just a credit rating. Our credit specialists will discuss with you the vehicles and loan terms that work for you. And remember, no matter who you are or what your credit situation, we will treat you with dignity and respect.
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Can I take my vehicle to my own mechanic for him to inspect it before I do the simple paperwork?
Answer: Yes, that is possible, as long as you are approved beforehand for that vehicle. We have confidence in our vehicles and stand behind them. In Fact, once approved, we encourage you to have it checked out.
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Do you take trade ins?
Answer: Yes, we take trade ins of any make, model and year. From time-to-time we get a little crazy and trade for ANYTHING of value (as long as it doesn't eat!). If you owe money on your trade, please be sure to bring your financial information with you including account number, phone number, and name of bank or finance company.
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I have a bankruptcy, can you arrange financing for me?

Answer: Yes, bankruptcy is not a problem! Even if it has not been discharged.

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How do you help people rebuild their credit?
Answer: Solutions Auto Credit finances cars to people that banks and most car dealerships don’t want, or aren’t prepared to deal with. One of our goals is to build a long term arrangement with you. The vehicle will fit your ability to pay. We want you to complete your agreement successfully and then get your next vehicle from us as well. Many of our customers are able to upgrade vehicles in 12-24 months from the time they get their first vehicle from us. Your successful completion at Solutions Auto Credit will enhance your credit rating with us.

Plus, when you finance with Solutions Auto Credit, we help you stay current. Your payments may be made weekly or bi-weekly instead of monthly. You will probably find it is easier for you to budget. Since we don't shop your financing around to a bunch of banks, your credit report won't suffer by making it appear like you're looking for money—which is exactly what happens when you buy from other dealerships.

Also, most payments are made at our office. Our Solutions Auto Credit customers get to know our sales and credit specialist, and we get to know you. This personal “relationship” helps you work through some of the potential problems you may have making payments. Try that at a bank or finance company!
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What about these companies advertising to “Fix” my credit for a large fee?
Answer: The fact is, no one can fix your credit related problems but yourself. We can help you get back on track…but it is up to you. Whatever problem that caused you to be late with payments, not make payments etc., you now have a blemished credit record. If you want to regain control of your life and have some of the things people with good credit have like … unsecured credit cards, big screen TV’s, new appliances and furniture, without “renting” them for big bucks or even to eventually purchase a home...you have to get your credit rating back. Your on-time payments at Solutions Auto Credit will help you to do that.

One thing to keep in mind as you begin to rebuild your credit, is that it is easy and fast to ruin your credit but fixing it will take some time, and effort on your part. It won’t happen overnight, but if you are serious, and work at it, you can turn it around. At Solutions Auto Credit, we can help.
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  • We are The "Car Credit Specialists." This is all we do.
  • Guaranteed Credit Approval OR $1000 in CASH!
  • Financing for All Credit Types, 350-850 Credit Scores!
  • Exclusive Solutions Auto Group Limited Warranty
  • Iron-Clad Exchange Policy, Love It or Leave It!
  • Some of the best vehicles you will find!
  • We match the car, the payments and the term of the agreement to your individual situation
  • We are in this for the long haul. We will always be here when you need us.
  • This is only a short list. Call or stop in to see for yourself!

If I want to get approved at Solutions Auto Credit, what should I do?

Answer:

You have a number of choices..... First, you could stop by our office and talk to one of our credit specialists in person. They will speak to you about your credit situation in a relaxed manner. Once your budget and needs are established, you can select a vehicle.

Or... You can phone one of our offices and do it over the phone during regular business hours. Every person is different and we want one of our credit specialists to speak to you in person. That personal touch is one of the things that make Solutions Auto Credit different.

Or... You can apply for pre-approval online at this site. Just go to our “Online Credit Approval“, fill out the information, and one of our credit specialists will personally review it. Then we contact you by phone or email within 24 hours!
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If I get a car from Solutions Auto Credit and do have some problems with my payments, what should I do?
Answer: The most important thing you can do for yourself is to make your payment on time and in full. In the unlikely event you will be late for a scheduled payment, it is extremely important that YOU contact your Solutions Auto Credit office and let us know BEFORE the payment is due. You can call, email or stop in. We do understand that people sometimes experience financial setbacks. It is up to you, to keep the lines of communication open.
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How many vehicles do you normally have in stock?
Answer: Keeping allot of vehicles in stock can be quite expensive. Therefore, we normally only keep up to 35 vehicles in stock. This helps keep our overhead low. If you drive by our office and don’t see that many vehicles, there could be several reasons. It takes about 5 days to service and clean most vehicles. We will not sell a vehicle unless it is serviced and ready to be sold. Furthermore we move our vehicles rather quickly. If we deliver 5 or 6 vehicles in one day, it may take us a day or two to get the replacement vehicles to the lot.

In any event, even if you don’t see the vehicle you are looking for on our lot, we probably have it right now! Ask your credit expert, don’t delay, stop in, email or call today.
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What makes you different from the other car dealers advertising for people with credit problems?
Answer: Many things make us different, but here is a short list...
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