Is your credit score poor? Check out alternative credit options near Sparta, TN. Drivers are going crazy over this new program because it gives them a second chance. It all starts when you contact our finance department in Cookeville, Tennessee.
Alternative lending options are loans for people who might have lower scores than other lenders desire. These loans give drivers access to reliable transportation. If we approve you and you make all of your payments on time, this will reflect positively on your credit report.
We all know that derogatory marks can negatively impact your score––but which derogatory marks? To maintain a good credit score, one would want to have a history of on-time payments, a reasonable amount of credit, and a great debt-to-income ratio.
However, sometimes life gets in the way, and these things aren't always possible. If you've dealt with any of the following financial scenarios, you might qualify for our alternative lending options:
It's as simple as knowing your options. Apply for one our alternative credit loans and we'll take it from there. When you're shopping around for auto loans in the area, be sure to compare terms and rates.
Predatory loan rates are a major problem with these types of programs. If someone offers you a ridiculously high rate, do some research before committing. You can avoid predatory rates all together by financing with Cumberland Kia! Contact us to talk to our finance team.
If you think that you qualify for our alternative lending options, apply online. Our application is the same. We will process it and follow-up with either an approval or a denial. We have a quick turnaround time and do our best to handle each application with the utmost care. Lastly, we look forward to helping you turn things around!