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How Credit Works

Thank you for your interest in our Guaranteed Credit Approval Program! Here is a bit of information about how this program works…

At Smiths Auto we give everyone a chance to finance a vehicle regardless of your credit history. All you need is your proof of your residence, your income and you can drive away a reliable nice vehicle today! Regardless of your credit, we say YES! Bad Credit, Repo’s, Foreclosure, No Credit, Bankruptcy’s ALL OK! GUARANTEED!

All you need drive away today is…
  1. Proof of income (paystub, cancelled checks, or 2 months bank statement)
  2. Proof of residence (Utility bill, mailed bank statement, cell phone bill)
  3. 5 personal references (name, address, and phone number)
  4. Valid Drivers License
  5. Proof of insurance

We are able to offer Guaranteed Credit Approval because our program is specially designed to help everyone regardless of credit history. This program will help to establish or re-establish your credit by reporting to all 3 major credit bureaus on a monthly basis. Here at Smiths Auto we don't finance your past, we finance your FUTURE!!

Here are some benefits of having a great credit score.
  1. Ability to obtain major credit cards
  2. Higher purchasing power
  3. Obtain low interest future loans with little to no money down
  4. Ability to purchase a home with a low interest mortgage

There are many payment options available such as: weekly, bi-weekly, monthly payments, or automatic withdrawal from your checking or savings account.

To fill out an application please click the application link and fill out the quick 30 second application. From there, you will be contacted by a finance specialist as soon as possible.

Take this opportunity and get the Credit You Deserve!