In-House Financing

Q. What if I have bad credit or no credit?
A. Bad credit, no credit - no problem. We do look at your credit score, but a low credit score doesn't neccesarily mean you can't get financed. We consider all factors such as how long you've been at your current job, how long you've been at your current residence, and if you can provide us with references. We have a high approval rate as long as you can provide us a proof of residence, a proof of income, and a considerable down payment.

Q. What is the process for In-House Financing?
A. Your first step for in-house financing is to fill out our in-house credit application, available at the bottom of the Forms page. Once you have filled this application out completely, you will turn it in to our office. We will then submit it for approval. When you are approved, we will call you and let you know. We do not have a set time frame for approvals, it can take anywhere from 30 minutes to 48 hours depending on the information provided.

Q. What items do I need once I am approved?
A. Once you have been approved for a vehicle, we will call you and let you know. When you are ready to sign paperwork and pick up your vehicle, you will need to bring your down payment, a valid drivers license, a proof of income (check stub or bank statement), and a proof of residence (a piece of mail with your name and current address on it.)

Q. What is your down payment?
A. We dont have a specific down payment for any vehicle. It just depends on how much you have available to put down and what kind of note you can afford and the total price of the vehicle. As long as you think realistically, we can usually approve you. Also, the more money you put down, the lower we can get your note.

Q. How old do I have to be to get financing?
A. We do not finance vehicles to anyone under the age of 18. That being said, if your birthday is near, we can start the approval process early and have everythign in place so that on your birthday, all you do is sign paperwork and drive off the lot.

Q. What if I am looking for a specific vehicle that you dont have on your lot?
A. You can visit the section labeled Forms. From there you can tell us exactly what you're looking for and we will do our best to find you something within reason.

Q. Can I get a credit application online?
A. Yes, our credit application is available as a pdf file on the Forms page. You can print it and either fax it back to us at (409) 287-3767 or you may scan it and email it back to sales@keatingmotors.com or you can drop it off in person to our office.