FAQ’s regarding Cowboy Credit

What kind of automobiles do you have?
Being part of a Dealer Group means we have thousands of new and used vehicles to choose from. From Domestic to Import to European, to SUV's and Trucks, we can ensure you of the best selection of vehicles, as well as offering reliability and quality

Does inquiring for a loan affect my credit?
Excessive credit inquiries will lower your overall credit score. However, our experienced credit specialists place your loan with the most appropriate institution from the start, which reduces the amount of inquiries on your credit. That is why it is so important not to “credit seek” or “shop” your credit around. Each facility deals with the same lenders, but it’s the experience that sets them apart.

Do I need any money down?
In most cases customers qualify with little to no money down. An injection of cash or trade does reduce the lenders risk, which would help ensure the best approval available.

What is my interest rate?
Interest rates vary for each credit situation and several factors including employment stability, past credit, and current obligations. However, our specialists work diligently to obtain the best possible approval and rate available for each customer.

Will this auto loan help my credit?
Absolutely. Re-establishing credit is a key to obtaining future prime rates. Quite often repeat customers interests reduce dramatically the second time around. Showing the ability to handle a car payment also reflects on your credit bureau, which in turn, drives up your beacon score.

*oac rates vary from 1.9% to 29.9% from 0 down