Our Company: We've been in the auto financing business for two generations, and our staff is dedicated to providing customers with the best possible car loans, regardless of their credit situation.
We know that many car buyers research financing before making a vehicle purchase decision. We work with national finance firms, local and national credit unions and banks to get you a great loan at attractive terms. Our one-minute application requests basic information on items such as employment, income, and your rent or mortgage payment to determine the best loan for you. It's easy to apply, and we'll contact you promptly- we make financing the car you want fast and simple!

Get started now by filling out our car loan application.
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Frequently Asked Questions
Q: What are the interest rates for my auto loan?
A: Interest rates are influenced by several factors, including the severity of credit problems, the amount of down payment, and the degree of credit risk. We will explain these factors, and tell you exactly what your interest rate will be.
Q: How long does the application process take?
A: You will be contacted very promptly- the approval process is usually within several minutes to a few hours.
Q: Can I get an auto loan even if I have bad credit?
A: Of course! Our lenders will work with you every step of the way to help you get approved.
Q: Will it help if I have a co-signer on the loan?
A: If your co-signer has good credit status, this will definitely help your chances of getting an approval.
Q: Are there any fees associated with your auto loan application?
A: No- this is a completely free service.
Q: How do you safeguard my confidential information?
A: We use Secure Sockets Layers (SSL) technology to prevent unauthorized parties from viewing information sent to us, and we limit access to your personal information only to parties that have a "need to know" in your loan approval process.
Glossary of Car Loan Terms
APR
The "Annual Percentage Rate" is a yearly rate of interest that includes fees and costs paid to acquire the loan. Lenders are required by law to disclose the APR, and the rate is used to compare various loans available, making even simple interest and compound interest loans comparable.
Application
An initial statement of personal and financial information required to approve your loan.
Certificate of Title
A legal document issued by the state showing the owner’s name and the vehicle’s mileage at the time of sale.
Co-Signer
This person assumes equal responsibility for the loan if the borrower does not pay.
Credit Report
A credit document that shows credit or loan account, balances, employment and financial transactions.
Credit Scoring
Banks and lending institutions use different scoring systems to decide your creditworthiness.
Debt Ratio
Your earnings compared to how much you owe.
Disclosure Statement
The total amount of the loan; the loan amount, interest and other financial charges.
Down Payment
The difference between the loan amount and the purchase price; usually paid immediately upon purchase in the form of cash or trade-in value.
Fair Market Value
The current value of a particular vehicle in the marketplace, based on mileage, exterior and interior condition, mechanical fitness, etc.
Gross Income
For qualifying purposes, the income of the borrower before taxes or expenses are deducted.
Interest Rate
The percentage of a sum of money charged for its use.
Term
The length of time that payments will be made on a loan. Typical car loans have terms of 24, 36 or 48 months.
Title
A legal document issued by the state showing the owner’s name and the vehicle’s mileage at the time of sale.
Trade-in
A vehicle that is sold to a car dealer as part of the purchase of another.
Trade-in Value
The amount a dealership credits the buyer for the vehicle provided as partial or full payment for another vehicle.

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SunCoast Financial Group
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