http://www.titanautopa.com/

You finance through banks/ subprime lenders/ federal credit unions. It depends on your credit score.

100% Guaranteed Credit Approval.

Vehicle financing isn't black and white. Down payments, interest rates, and monthly terms vary based on your income, job history, and credit background. We work with all credit situations - including past bankruptcies or repossessions - to find a solution that works for you.

The required down payment for any vehicle is not predetermined. It is case-by-case, based on the borrower's situation.

The lenders determine the down payment and monthly payment once you're approved. The lenders we deal with accept any credit or no credit as long as the borrower has income.

Generally, most of our vehicles are financed for around $300/mo. That is our target market. A competitive deal begins with a down payment that reflects the vehicle's value.

You will get approval no matter is your situation but how much your down payment and your monthly payment that we don't know unless you apply for finance.

Privacy Policy

Here are answers to the most common questions from customers planning to finance a vehicle.

1) How much should my down payment be?

Every customer's profile is unique, with scores varying based on factors like income, job history, and residency status. Credit history isn't the only metric we look at - we frequently approve customers with bad credit, no credit, or a history of bankruptcy.

Your specific down payment is calculated using both the vehicle's listed price and your income. After reviewing your financial profile, lenders will determine a comfortable monthly payment and maximum loan amount. The difference between the vehicle's price and what the lender approves you to borrow will determine your down payment.

The monthly payment can't exceed 25% of monthly gross income. Refer to question #5 for details.

2) How much is my monthly payment?

The monthly payment amount varies based on income, job history, loan term, and down payment amount. A higher down payment significantly reduces the monthly payment.

3) Do you take a trade-in? How much is my trade-in worth?

Yes, we gladly accept trade-ins! However, we cannot provide appraisals over the phone, on Facebook, or by email. We must inspect the vehicle in person to give you an accurate offer. Please note that if a vehicle's estimated reconditioning and repair costs exceed its value, we will offer junkyard value.

We offer fair value for any trade-in we can repair, resell, and fully stand behind. To qualify, your item must have a clean title, and you must have the title in hand.

See below for more trade-in details.

4) What types of income are acceptable?

We accept all income types, including W-2, self-employment, 1099, temporary, tips, child support, SSDI, and SSA. If you can provide proof, we can finance you.

5) What is the minimum required income?

To qualify for auto financing, applicants must meet the following income guidelines:

Minimum Income: A minimum gross monthly income of $610 is required.
Cosigner Requirement: If your gross monthly income is below $610, a qualifying cosigner who meets or exceeds this requirement is required.
Payment-to-Income Limits: Your projected monthly vehicle payment must not exceed 25% of your gross monthly income.
Minimum Payment: The minimum allowable monthly payment is $150.

How It Works

Example: On a $1,000 gross monthly income, your maximum allowed monthly vehicle payment is $250 (25% of income).

If you are looking to finance a $10,000 vehicle, a standard monthly payment would exceed that limit. To qualify, you would need to make a $4,000 down payment to lower the total amount financed and bring the monthly payment within your eligible threshold.

6) Is my loan reported to the credit bureau?

Yes, your loan is reported to the credit bureaus. You will sign a 'Retail Installment Contract,' and making your payments on time will help you establish or reestablish your credit. There is no penalty for early payoff, so you can pay it off at any time or make additional payments directly to the principal.

7) Is Titan Auto Sales a "Buy Here Pay Here" dealership?

No. Titan Auto Sales works directly with established banks and credit unions to secure your auto loan, regardless of your credit profile.

What you can expect with your financing:

No Prepayment Penalties: Pay off your loan early or make extra payments at any time with zero hidden fees.
Complete Ownership Privacy: We never install GPS trackers, starter interrupters, or monitoring devices in your vehicle.
No Restrictions: Enjoy driving your car without mileage caps, geographical limits, or usage restrictions.

8) How I pay my payment?

Flexible & Hassle-Free Payment Options

Pay on your terms. Choose the schedule and method that fit your lifestyle best:

Custom Schedules: Choose weekly, bi-weekly, twice a month, or monthly payments on whichever date works best for you.
Effortless Auto-Pay: Set up ACH or automatic card payments so you never miss a due date.
Pay Anywhere: Manage and make payments easily online or directly from your smartphone.

9) Can I negotiate the price over the phone?

We believe the best way to buy a used car is up close. We don't quote final discounted prices over the phone or email before you've seen the vehicle and heard it run. Come in, take a look, and let’s work together to give you our absolute best deal in person.

10) Can I get my tag, license plate, and registration at the dealership?

Yes! We handle all the paperwork on-site, including sales tax, official vehicle registration, and issuing your license plate so you can drive away worry-free.

To provide an accurate appraisal, we must evaluate your trade-in in person. We are unable to offer vehicle valuations over the phone, online, or via photos.

Vehicles Meeting Our Quality Standards: We pay the NADA average trade-in value, minus any reconditioning and repair costs required to retail the vehicle to our customers with confidence.
Vehicles Below Retail Standards: We pay the wholesale value, minus any auction-related expenses such as transportation and listing fees.
Inoperable or Salvage Vehicles: If the vehicle is not running, severely damaged, or the repair costs exceed its value, we will offer local salvage/junkyard pricing.

Notes:

A physical title must be in hand. We only trade cars and trucks; we do not accept bikes, ATVs, or other recreational vehicles.

Generally, to get a decent deal, you should pay 20% to 25% of the listed price. That doesn't apply to those who have very good or excellent credit. They can finance a vehicle with ZERO down.