At The Credit Centre we want you to have all the facts that will help you make an informed decision. We will assist you in finding a good car at a fair price and the best possible interest rate that your current credit situation permits!!

Here are some real answers and straight talk that you will need to know.

1. No one can guarantee you a 100% approval for a loan.
   Let’s face it – some people just can’t afford another loan, nor should they have one. Avoid a dealer that sells you a cheap car for $1000 down, and $200 a month for two years. This is not a real loan. Often your delinquency is expected and they look forward to you losing your down payment. The same car is simply sold to another unsuspecting customer with the same conditions.
   
2. Does applying at more then one place increase my chances to get a loan?
   Absolutely not! Most people do not realize that every time they apply for a loan it reduces their credit score. When banks check your credit bureau and see that you have applied at several places they assume you are desperate and they are less likely to want to deal with you.
   
3. Don’t be forced to buy a car that you do not want and probably shouldn’t buy.
   Often sub-prime customers (people with low credit scores) are told that the only car they are approved for is one particular car. This allows the business to move their old inventory that is less desirable and is often over priced. This shouldn’t be the case. You deserve to have the same choice as any other customer. Once you are approved at The Credit Centre your approval is good for the newest car that your maximum loan amount will allow. Then you can choose!
   
4. Many loans are not loans at all!
   Don’t be fooled by a lease or “buy here, pay here” agreements. For the most part these are simply Rental Agreements that require money down and you are responsible for everything including repairs! This type of loan is not reported on your credit bureau and does not help build your credit.
   
5. If I am bankrupt, divorced, or seasonally employed – is there really a financial institution that will give me a real loan?
   The answer is yes!! We have over eleven lenders that understand that good people sometimes have unfortunate circumstances and they are willing to help! Often things are not as bad as most people think. At THE CREDIT CENTRE we will work hard to negotiate your best interest rate.
   
6. Will I need money down?
   Often the answer is "No You Don’t". At The Credit Centre, we are committed to negotiate the very best terms for you.
   
7. Often the loan company that is asking for your application “isn’t a loan company at all”!
   These companies are what are known as “lead generators”. They simply take your application and sell it to one or more car dealers! They don’t have any cars to sell, and don’t actually deal with any banks! They just want your personal information to sell so that other dealers (that you may or may not want to deal with) can try to sell you a car!