See below for a list of some frequently asked questions regarding car loans and credit applications.

How long does application process take?

The process realistically takes about 1-3 days depending on how quickly you provide the necessary documents.

Every situation is unique but be assured YOU are our top priority and we will do everything to keep you in the loop and the process moving forward quickly and efficiently.

How long does bankruptcy stay on my credit report?

Good and Bad credit stays on your report for 7 years.

What type of car can I get?

This depends totally on YOUR credit, down payment and the terms and conditions that the financial institution allows for you.

We do our very best to put you in the vehicle that fits your family’s needs.

I don't own my house, can I still get a car loan?

Yes you can!   Home ownership is NOT a prerequisite for qualifying for a car loan just a verifiable income.

When can I pick up my new car?

As soon as the finance requirements have been completed and the car has a Safety & is Etested you can drive away!!! Typically 1 to 3 days.

What documents will I need once I am approved and on my way to purchase a vehicle?

Once you are approved and have found the vehicle you would like to purchase, you will need to provide your drivers license, recent pay stubs, pension income statements, and possibly further documents, determined on a case-by-case basis. If you are intending to use your current vehicle as a trade-in, you will need to bring the vehicle ownership of that vehicle with you, and any documents pertaining to its loan if you are still making payments on it.

What is my interest rate going to be?

Interest rates start as low as 0% and go up from there, varying depending on several different factors and is determined by the individual lending facilities. However, since ezeecarcredit works with so many lending institutions, our credit specialist will get you into a vehicle that you can afford.

Will I need a down payment for my vehicle purchase?

Depending on your approval criteria, it is possible that you may not need to provide a down payment for your vehicle, however each client’s situation is individual and varies depending on their approval. Among a few factors, the possibility of a down payment can depend on your income, your credit history, or the price of the vehicle. Our specialist will explain all of your options, including any possibility of a down payment should it arise.

Is It Safe To Send Personal Information Through The Internet?

We take many precautions to make sure that your information stays safe. It’s very safe to send your online car loan application on our website. Once we receive your application we personally work with our financial partners to keep your information safe.

If you have any other question or comment about getting an auto loan or helping your bad credit rating, please do not hesitate to contact me directly.