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Frequently Asked Questions


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We don’t maintain average rates because we don’t provide the financing ourselves. Typically, the interest rate will be determined by a number of factors, including the amount financed, the term, and the exact approval that each person qualifies for. The length of the term often boils down to whether you would like to have a longer length of time, or a shorter one so that you can pay your loan off sooner.
Our network includes hundreds of dealers from across the country, so we are unable to direct you to a single inventory since we have access to so many! Our service is designed to connect you with the dealer that can best meet your needs based on your location, budget, and the type of vehicle you are looking for. Once you have completed our application and we have connected you with the best dealership in your area, you will be able to view their inventory and pick a vehicle that works for you.
Yes, we have definitely helped people in this circumstance. When you apply with us, we are able to match you with a partner that has specific programs dedicated towards assisting anyone going through bankruptcy. The process of acquiring a vehicle may take a little extra time because our partner would require some information from your trustee, but we are usually able to provide our customers with great options.
No. When our dealership partner initially gets in contact with you, the intent is to inform you of what your options are. From there, you are able to make an informed decision upon whether you would like to make a vehicle purchase.
We definitely do. While your chances of finding an approval might be a little more limited, we are always happy to work to provide you with more options.
A down payment will not always be required, though it is often a great way of lowering your payments and helping to pay off your vehicle faster.
There are a few ways in which we can. First, we work to locate a partner in your area that will be able to determine your approval options. This way, you don’t have to go searching for someone who might not be able to get you approved. Next, our partner will get in touch with you to let you know what your choices are available to you. You will then be able to make an informed decision upon whether you would like to move forward with the purchase of your vehicle. Finally, if you choose to purchase a vehicle, you are able to drive your new car off the lot!
The amount that you will get pre-approved for depends on several factors. Once you apply, the specialist dedicated to your account will get in contact with you to work towards matching you with the right vehicle that fits within your monthly budget.
Filling out an application will take approximately two minutes. After that, you will hear back from one of our dealership partners within 24 hours. In an instance where we have received your application during an extremely busy time, it may take up to 48 hours for you to hear back.
We only ask for the information that we need to help you find an approval. By knowing your location and a bit about your financial circumstance we are able to determine which partner will have the highest chance of finding you an approval.
Usually, Yes. It is important to confirm this with your finance provider, but usually when you purchase a vehicle your payments are reported to the credit bureau. If all payments are made promptly and on time, a vehicle purchase can hold the potential to help repair your credit.
Our customers use EziAuto because banks are set up to only help people with good credit, and most dealerships will not have access to the specific financing programs that they need. The major advantage to using our services is that we have ensured that the finance partners that we work with have departments that specialize in helping people with bad credit. This is how we have been able to play an instrumental role in helping thousands of clients find affordable cars, trucks, and SUVs.