FAQs

FAQ

Credit Questions?

Why finance with Dave Says yes?

Our team of finance experts work with an incredible amount of lending options to offer you fast, competitive financing no matter what credit you may have.

What If I have “really bad” credit?

That’s okay, we hear this all the time. We have assisted thousands of people who said the exact same thing. Our team specializes in obtaining you finance options regardless of your credit score.

Do I have to put money down?

Sometimes the lender may require a down payment to obtain the loan or you may chose to put money down to lower your monthly payments.

What are your interest rates?

Varies. There are a lot of variables that lenders use to determine interest rate such as vehicle selection, application information, credit history, and down payment. At Dave Says Yes we strive to obtain the most competitive rates available.

I have excellent credit what can you offer?

Great! We offer you the same exceptional service that we feel every customer should receive. At Dave Says Yes everyone is treated the same, we believe all customers deserve competitive rates.

What if I have a bankruptcy?

No problem. We have lenders that work with Chapter 7 & Chapter 13 bankruptcies, even if your still in the bankruptcy process!

I had a repossession in the past, am I disqualified?

Absolutely not. We understand there are a lot of different reasons and circumstances surrounding credit issues, and so do the lenders we work with. The fact is you are not alone, and we pride ourselves in assisting customers in any situation.

What if I have no credit? Will I need a cosigner?

We have programs for first time buyers to purchase a vehicle and help them establish their credit. There are instances in which a cosigner could make more options available.

But what if I was just recently turned down by another dealer?

We’re very sorry about your car shopping experience thus far. A lot of times we can help people that other dealers couldn’t. We specialize in working with people that have less than perfect credit.

What do I need to bring with me?

Just a valid driver’s license or picture ID. Every situation is a little different, we will assist you with gathering any additional documentation we may need to process your loan.