http://www.titanautopa.com/

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

100% Guarantee Credit Approval.

Financing a vehicle is not black and white. Down payment and monthly payment vary based on each customer's situation. (residency, time and type of employment, income, debt, bankruptcy, repo, etc.)

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

Down payment & monthly payment depend on the bank once 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. To get a decent deal, the down payment must be suitable with the price of the vehicle.

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.

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

How much my down payment should 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.

Example: Let's say the selling price is $8,000

Customer (A) makes $3000/mo. He can finance it with $1000 down and $250/mo.

Customer (B) makes $1800/mo. He can finance it with $2000 down and $200/mo.

Generally, to get a decent deal, you should pay 10% of the listed price as a down payment.

How much the monthly payment?

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

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, Facebook, or 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.

What type of income is acceptable?

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

What is the minimum required income?

To finance a vehicle, a minimum gross monthly income of $610 is required. If your income falls below this amount, you will need a cosigner whose income meets or exceeds the requirement. Generally, your overall income must comfortably cover the monthly vehicle payment.

Example: You can't finance a $10,000 car with a $1,000 income unless you pay $4,000 down

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.

Is Titan Auto Sales "Buy Here Pay Here" dealer?

No, Titan Auto Sales is not a 'Buy Here Pay Here' dealership. You will finance your vehicle through an established bank or lender, regardless of your credit score. There are absolutely no prepayment penalties or termination fees for early payoff, nor are there any hidden charges for extra payments. Furthermore, we do not install GPS trackers, starter interrupters, or any other monitoring devices in your vehicle. There are no mileage limits or usage restrictions. It is your car.

How I pay my payment?

You’ve got options! You can choose to pay monthly, weekly, bi-weekly, or twice a month, and pick whichever payment date works best for you. For effortless payments, sign up for ACH to have funds automatically withdrawn from your bank account or card. You can also easily pay online or right from your smartphone.

Can I negotiate the price over the phone?

We don't negotiate prices over the phone or internet without you seeing the vehicle or hearing it run first. Honestly, that's not the best way to shop for a used car. Everything is negotiable, but you will get our absolute best offer when you come see the vehicle in person and are ready to make a deal. We are looking forward to seeing you!

Can I get the tag & plate on the site?

All the paperwork is handled - sales tax, registration, and license plates.

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.