Am I Approved? Read below!
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In-House Financing (through us, no credit score check required):
We never check credit scores for our buy-here, pay-here alternative in-house lease financing options because we base our approvals on your job, affordability and friendliness. It's no joke! We really do prefer doing business with friendly and happy people who appreciate the same in return! We also want to set you up in a successful situation, so for approval, we require payments to be less than 20% of your take-home pay.
To calculate what you are approved for, multiply your after tax and other deductions (take home) pay by 20% - your weekly payment must be less than this amount. For example, if you take home $400 per week, you qualify for an $80/wk payment (400 x 20% = 80). If you take home $600 per week, you qualify for an $120/wk payment (600 x 20% = 120). Sound confusing? Don't worry, payments on our standard lease plan typically average between $80 – 120/wk, and we are able to get you approved in just a few minutes by filling out this simple ''Apply Now'' form. You may also just enter your name, email and phone number on the pre-approval tab above, and we’ll be more than happy to reach out and help walk you through it all from there.
We do consider other factors such as time in the area and at your job, but our focus is on affordability and friendliness. It's as simple as that - no blood samples, no five-page application asking for 37 references and no invasive questions about any previous bad credit, ever. If you can afford it and you are nice, you are more than likely approved. Our primary goal is to get you approved and driving, and with the fastest process in the industry, you can typically be in and out with a vehicle in less than an hour!
Also, our listed down payments are out-the-door down payments, meaning they include tax, DMV fees, etc. You will not need a penny more than what we have posted to leave the dealership with the vehicle if you meet the criteria for qualification mentioned above. If your income qualifies you for less than our requirement for the advertised payment, you can still get approved by simply putting more money down! The more money you put down, the lower your regular payment will be!
What you need to bring with you in order to get approved for our in-house leasing options:
☑ North Carolina Driver's License
☑ Proof of Income - Last two current pay stubs and last two current bank statements.
☑ Proof of Residence - Utility bill or something comparable that has been recently mailed to your physical residence.
☑ Down Payment (Checks not accepted) - If you are planning to use a credit or debit card, you should call the card provider during weekday business hours beforehand and ask them to have your daily limit increased to the amount you want to put down. Many cards have a $500 daily limit and will not let you charge more without calling ahead; and typically, you will not be able to change the limit over the weekend or outside normal business hours.
☑ Insurance - Securing insurance is often the most time consuming part of the delivery process, and we must have an insurance policy in hand before we can release the vehicle. Our in-house collision damage waiver can be issued the same day with no delay and is often much cheaper than what is available through traditional insurance providers. However, you are welcome to use any insurance company of your choice, or we are happy to put you in contact with some companies our customers use regularly. When you get ready to move forward on a vehicle, we will help guide you through the process to make it simple!
» We are not able to solely use for-hire commercial driving income that is dependent on private vehicle use (e.g. Uber, Lyft, DoorDash, etc.) for approvals, and our in-house leased vehicles are not allowed to be used for-hire privately or commercially for any reason. All our in-house leased vehicles are permitted for personal use by the specific individual(s) on the lease contract only. Please see dealer for complete details.
Questions? Send Us Message
Traditional Installment Loan Financing (through an outside bank, credit check required):
We are partnered with local and national lenders that allow us to be able to offer competitive traditional financing rates based on your credit score. We can help arrange financing through one of these third party lenders right here on the lot if you prefer it to our in-house options.
Vehicles that do not have a down payment listed next to them on our website are only available for traditional retail installment loan financing or cash sale and are not available for any of the in-house financing lease options we offer.
Benchmark Auto Lease Details
» Standard lease plans range from 57-260 weeks and have a purchase option. No security deposit is required.
» All leases are able to be canceled early with a termination fee.
» All vehicles listed for in-house lease financing are offered exclusively as operating leases and will have a down payment listed next to them under our inventory tab. If there is not a down payment listed, the vehicle is only available for outside financing or cash sale.
» Alternative financing options are available. All advertised payments are subject to change based on qualifications, contingent upon approval and may not apply to each individual.
» Trade offers and credit approvals are subject to change without notice and at dealer's sole and absolute discretion.
» There is a 2.5% fee on all credit and debit card charges in excess of $500.
» Mileage restrictions apply.
» Please see dealer for complete details.
» All payments are final and non-refundable for any reason.
YOU'RE NOW READY TO APPLY! »
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