I have bad credit....will I Qualify?

We specialize in dealing with clients who have credit issues. Many applicants will qualify with no down payment. We have a very high ratio of clients that are approved very quickly.

I am self employed. It's difficult for me to prove my income. Is this a problem?

Absolutely not. We are very easy to deal with and have many OUTSIDE OF THE BOX ways that we will allow as proof of income.

How does it work?

It’s a very simple 4 step process.

  • Application: You can complete the basic application here….or call us and we can complete the application together to get pre-approval.

  • After we receive the pre-approval we will want to get the proof of income verified. This is usually nothing more than a recent paystub. Once we have the income verified, you are ready to go shopping!!!

  • You can now shop with confidence. Once you have negotiated your best deal with either a Dealer of your choice….or a private sale, you will need to send in a copy of the “Bill of Sale” from the Dealer or a copy of the “Ownership” if it is a private sale. We can then begin to complete the necesary paperwork.

  • Once we have received the contract and paperwork, we will tranfer the money to pay for the machine.

How long does this take?

We can complete the file very quickly. Most often this depends on how quickly you can find the right machine or trailer and how quickly you can provide the right paperwork. A NORMAL deal takes about 4 days to complete. We can complete them quicker if required.

What is the Interest Rate?

The Interest Rate will vary from client to client. Some clients have a better credit history than others, therefore they are entitled to a better interest rate. As soon as we have a pre-approval, we will be able to review your interest rate, payments and the amount that you are approved for. Generally our interest rates are only slightly higher than a mainstream bank.