Having your documents ready will help streamline the process. If you’re visiting a Certified Financial-affiliated dealership to apply for an auto loan, be sure to bring the following items to ensure a quicker application experience:

• A current driver’s license

• Documentation verifying your income (e.g., recent pay stubs, Social Security or pension records)

• Proof of insurance (liability coverage)

• Proof of address (recent utility bill, lease agreement, or mortgage statement)

• Personal references (provide names, addresses, emails, and phone numbers for at least five individuals)

Yes, trade is accepted at our partner dealership.

The required down payment varies based on several factors and is tailored to fit your financial situation. We aim to make the financing process as straightforward and accessible as possible. Since each customer’s needs are unique, we encourage you to reach out so we can discuss a solution that works best for you.

We will provide you with an offer after a face-to-face meeting. This personal interaction helps us understand your specific needs and enables us to make the most informed credit decision. During the meeting, you’ll have the opportunity to ask questions about the financing options available and explore the vehicles suited to your preferences.

Certified Financial does not offer financing for private party vehicle purchases. Only vehicles that meet specific condition standards qualify for financing through Certified Financial, and most private party vehicles do not meet those criteria.

No, you can pay off part or all of your loan at any time without facing penalties. Any additional payments made beyond your regular payment amount are typically applied to reduce the principal balance of the loan.

When reviewing your application, we focus on your ability to repay the loan, with a stable income being essential. We also consider factors such as your length of residence in the area, household budget, and any other vehicles you own. While your past is important, we are more concerned with your future potential, recognizing that setbacks can happen to anyone.

Our dealer affiliates offer a diverse range of vehicles, including sedans, SUVs, trucks, wagons, and vans. The specific selection may vary based on inventory, but you’ll be presented with options you qualify to purchase. We’re confident that one will be a perfect match for you.

Yes, you can apply for vehicle financing regardless of your credit history, with no obligation or cost. While Certified Financial specializes in financing for a variety of credit profiles, most applicants who have a stable income and meet other criteria will likely qualify. The application process is necessary to determine eligibility.

We prioritize the protection of your personal information. Sensitive data submitted through our website is encrypted for secure transmission. Access to your data is strictly limited to authorized personnel involved in evaluating your application, ensuring your information remains confidential.

Interest rates vary based on factors such as your income, credit history, the vehicle type, loan amount, term length, and more. Our team of finance specialists works with you to secure the most competitive rate possible, even for those with less-than-perfect credit.

Once we receive your application, a member of our team will contact you to discuss your needs and review the details. The approval process typically takes anywhere from just a few minutes to a few hours, depending on your situation. We’re committed to providing the best possible financing option for you.

There is no cost to apply for financing through Certified Financial. You are not obligated to purchase a vehicle if you are offered financing.