Our Finance Program
All Quick Credit Auto Sales vehicles are financed through Mid-Ohio Acceptance Corp. of Troy, Ohio.
Below are some frequently asked questions and their answers.
Q: Who is Mid-Ohio
Acceptance Corp?
A: They are a
full service finance company, financing cars, trucks and vans for
Quick Credit Auto Sales.
Q: I don't have any credit,
would I qualify for vehicle financing with your program.
A: No Problem, Our credit
decisions are based upon job stability and income, in addition to
credit.
Q: What if I filed
bankruptcy?
A: No Problem, you will need to
bring a copy of your discharge from your bankruptcy.
Q: Do you report to the
Credit Bureau?
A: Yes, we report monthly, so as
you make your payments, your credit is being built or being rebuilt.
Q: How much money will I
need to put down?
A: It depends on the price of
the vehicle, and your stability (i.e. time on your job, residence,
etc.). In most cases they can deliver the vehicle on tax and title
down. This is usually between $300 and $600.
Q: How long does the
application process take?
A: In most cases, if you have
all of your requirements, your financing can be arranged within an
hour, and you will be able to take the car with you the same day.
However, you will need to provide proof of insurance before
the car can be released.
Q:
What are the requirements?
A: The requirements are as
follows:
- A valid copy of drivers license for all signers
- 2 most recent paycheck stubs for all signers
- 2 most recent rent receipts (if renting)
- Landlord name and contact information
- Mortgage payment book (if you own your home)
- Current utility bills: Gas-Phone-Cable-Electric, for all signers
- Proof of paid insurance policy
- Chapter 7/13 bankruptcy discharge or trustees approval (if applicable)
- Current proof of social security, ADC, child support, retirement, etc.
-
Completed reference section (including parents)
Q:
Where are the car lots located?
A: Sidney Ohio (937) 498-9000, and
Troy, Ohio
(937) 339-6000
Q: How will my payments be
set up?
A: Payments are set up according
to your pay schedule. (i.e. weekly, bi-weekly, monthly)
