Guaranteed Credit Approval
At Holiday Automotive, there are many common questions that are asked by our customers about our dealership and Guaranteed Credit Approval process. In order to help you gain as much information as possible before visiting us, we’ve answered many of those questions below. If you have any questions that aren’t answered here, we encourage you to give us a call at 866-875-3224. You may also fill out a form by clicking the button below and we'll get back to you right away.
Frequently Asked Financing Questions
What’s the purchase process like if I’m concerned about my credit?
Holiday Automotive’s goal is to always to provide 100% customer satisfaction, regardless of your credit score. Unlike some dealerships, you won’t be limited to just a few vehicles to choose from if you’re less confident in your credit score. We have hundreds of vehicles across three lots, and all of them are available to all of our customers. We know it’s important to you to be able to choose your next vehicle, it’s a big decision after all, and that’s why it’s also important to us. It doesn’t matter if you have good credit, not-so-good-credit or no credit; we guarantee approval. From the moment you walk in the door, we’ll do everything we can to help you find a vehicle that fits your needs, and at a price you can afford.
I’ve been turned down by other dealerships because of my credit. How can Holiday Automotive be any different?Our team has partnered with a financial institution that provides financing plans nationwide. They will get you on track with payments that you can afford, as well as report all of your payments to the three major credit-reporting agencies. That boils down to you not only buying a car that works within your budget, but a payment plan that also helps strengthen your credit.
How much will my monthly payment be?
We have no desire to set you up with a vehicle or payment that you cannot afford. Our Product Specialists are non-commissioned. That means their primary goal is finding the vehicle that best meets your needs and your budget. When you visit Holiday Automotive, simply tell your Product Specialist what payments you can afford. We’ll work together to make sure you’re driving away in a car you’re excited about, and at a payment you’re comfortable with.
How much should I bring for a down payment?
As with any vehicle purchase, the more cash you have down or the more your trade is worth, the better it will be for your financing plan. We recommend 15% of the vehicle you’re interested in, but if you can’t provide that, we will absolutely work with you regardless of how much cash/trade you have to put down.
What should I bring to the dealership when I want to buy a vehicle?
You should bring along with you a valid drivers license, proof of residence (which includes a utility bill, pay stub, etc.), proof of income if you’re employed (pay stub), vehicle insurance information, trade-in vehicle and its title (if applicable), references and the amount of cash you’d like to put down. If you think you have a unique situation that calls for additional documents, or if you have any questions, feel free to give us a call in advance at 866-875-3224.