“What documentation should I bring?”

Proof of Employment
A recent pay stub stating your year-to-date earnings is sufficient. Self-employed individuals must provide two years of prepared tax returns.
Proof of Insurance
Bring in the insurance card for your current vehicle. Adding a new vehicle to your policy isn’t necessary until you’re approved and ready to take it home!
Proof of Residency
A recent bill for utilities, such as water or electric, with your name and address listed.
Personal References
A reference can include anyone who knows you personally, such as a family member or friend but cannot include someone who lives in the same household.
Phone Number
Any phone number provided must be currently in service and under the applicant’s name.


Can I get approved for a car loan with challenged credit?
Of course, our team of finance specialists specialize in challenged credit scenarios and will work diligently to get you approved for an auto loan.

I just started a new job, can I get approved for a car?
The answer is yes. All our finance specialists will need from you is a pay stub, proof of income or job verification and we will work with you to get you approved for a car loan. Your previous two years of tax returns will simplify this process.

I filed for bankruptcy, is my credit good enough to get approved for a car loan?
Although a bankruptcy could stay on your credit for up to 10 years, you can still get approved for a car loan. It can also help you rebuild your credit score.

Can I get approved for a car loan if I am in debt?
Yes, whether you have credit card debt, student loans, or a home mortgage, our finance specialists are prepared to help! We work with numerous financial institutions on a daily basis that understand high debt circumstances yet we are still able to get customers approved for a new or used car.

I just got out of a divorce, am I able to get approved for an auto loan?
Despite any division of assets or accounts, we can still get you approved for an auto loan. Our finance specialists work with divorcees on a daily basis and we understand the credit difficulty and financial impact that a divorce can cause. Our team will work diligently to get you approved for a loan that fits your new lifestyle and readjusted finances.

Kia Fort Walton Beach 30.405202, -86.632143.