Our team at Dutch's Auto in Mount Sterling is dedicated to making sure that you leave our lot with the vehicle that you desire. We also want to make sure that you get the best loan terms if you have to finance a new or used car. These are some tips that will help you to achieve your goals at our facility if you've been through bankruptcy.

Improve Your Credit Score

The first thing you should do is improve your credit score before you visit us near Lexington. You want to show up with the highest credit score possible because your score will determine your interest rate. We advise you to order a copy of your credit report and then review it before you come in. Look for discrepancies in accounts, balances, and so forth. Take the necessary measures to dispute anything that you do not feel is correct.

Bring a Healthy Down Payment

Your down payment will help you obtain affordable financing. We would recommend bringing a down payment that is at least 20 percent of the price of the vehicle you desire. The more of a down payment you give us, the more likely the lender will be willing to take a chance on you after a bankruptcy. Furthermore, you'll lower your monthly payments if you do that.

Have All Your Documents With You

You're going to need to bring certain documents so that you can begin the quest for financing. You'll need identification, proof of residence and proof of pay. Bring a least four pay stubs with you along with any stubs you might have from a second job. The finance team can work on your application quickly if you provide the necessary documentation near Richmond, KY.

Visit Dutch's Auto Today

Now you know what you can do to increase your chances of getting an affordable and fair deal at our dealership. The next step is to contact us and make an appointment in our Winchester area location. You'll pick out the car you want, and then our dedicated finance specialists will work their magic and present your financial information to the lenders. With any luck, you'll get the financing that you need and deserve very soon.