Financing | Used Cars

Finance Help | Used Cars


Financing Your Next Used Car
 : Re-Establish Your Credit, Better Choice Auto Loans
 

Ascension Auto Sales is dedicated to helping you get in a late model used car you'll be happy driving.
The finance specialist at Ascension Auto Sales have many lenders both prime and subprime financing options for your auto purchase.


  Tired of being told your choice when financing a used car is BHPH, also known as Buy-Here-Pay-Here.
While this is an option, it's not always the best choice and should only be used as a last choice.

Which is why Ascension Auto Sales has formed relationships with lenders who are willing to loan money to help you get the credit you need at an affordable finance rate, which in turn will allow you a wider selection of used cars to choose from.
Not only do multiple lending sources allow us to put you in a used car your happy driving while establishing your credit, and raising your credit score.

  Many car buyers through simple misinformation continue buying cars from dealerships that offer
Buy-Here-Pay-Here without ever understanding that this form of borrowing "while sometimes necessary" does very little to help your credit, or your credit score increase, thus keeping your options limited on the type vehicle you can choose from and continuing the burdensome large down payments required in this type of purchase.


 Ascension Auto Sales is happy to offer all who've experienced credit issues or been turned down for conventional loans, a new opportunity, another way to purchase your next used car. When looking for a better way to purchase your next vehicle call us Now! 225-272-5360 or come by 11672 Florida Blvd Baton Rouge La 70815. You can also submit an application online at www.ascensionautosales.com

 At Ascension Auto Sales, you can count on being treated with respect and given upfront answers you deserve. Some of the things you'll need when finalizing your loan are listed below, if you're unable or can't provide all documents please don't decide on your own not to move forward, we have finance specialist who can offer other ways to satisfy these needs. We look forward to serving you.


Proof of Income - This can be a check stub showing taxes being withheld and YTD earnings.  If your company pays you different call us, ?as we will work with persons who earn tips and cash "1099" earnings etc.?
Drivers License - Most Lenders require this. However in some instances we are able to provide work around, please call.

Proof of Residence - This can be a cable bill, electric bill, phone bill etc. this bill needs to be in the name of the applicant and or co-applicant.

Proof of Phone - This doesn't necessarily have to be a home phone, but you must have a phone.
These are the main documents needed, although each situation is different and more or less information may be required depending the extent of issues we are working to overcome
.

Down Payment - Although this can be one of the most difficult parts of getting on track, it is an important part of the process. If you have recently had a car
repossessed, a $500 down payment wont get the job done. You must be realistic concerning your down payment based on your own knowledge of the depth of credit issues we are working to overcome. The average minimum down payment required by lenders when making a good to excellent credit loan is 10% of the purchase price of the vehicle being purchased.
The minimum average down payment when lenders are considering loans from poor to average credit averages 15%-30% of the purchase price.w.a.c