Your Clear Path to Ownership

Let’s cut to the chase: you need a car, and you need to know how you can pay for it. At Fast Deals Autos, our finance philosophy is straightforward—we find a way to say “yes.” Whether your credit is spotless, bruised, or non-existent, we have options. Forget the intimidating finance office you’ve seen in movies. Here, we build bridges, not roadblocks. This policy strips away the complexity to give you a clear, no-nonsense guide to driving home in your car. We’re transparent, we’re direct, and we’re on your side.

Our Promise

Yes, We Finance. All Credit Welcome.

This is the core of who we are. We don’t turn people away based on a credit score. Period. Our specialty is connecting real people with real solutions. We work with a vast network of lenders—from major banks to specialty finance companies—who look at your entire financial picture, not just a three-digit number. Have good credit? Great, you’ll get competitive rates. Have bad credit or no credit? We’ve been there, and we have programs designed to help you rebuild and get rolling. Your approval is based on your current situation and your ability to pay, not just your past.

The Simple 3-Step Process

We’ve boiled it down to make it painless.

Step 1: The Straight Talk Application
Fill out our one-page credit application. Be honest. We need your basics: name, job, income, and where you live. We pull your credit report to see what lenders see. This initial check is a “soft inquiry” that won’t hurt your score. We’ll sit down with you and explain what it shows—good or bad—so there are no secrets.

Step 2: The Multi-Lender Match
Here’s our secret weapon: we don’t have one lender; we have dozens. We send your application to our whole network at once. They compete for your loan. This means you get multiple offers to choose from, giving you the best shot at a workable deal. We present you with the top 1-2 options, clearly explaining the terms.

Step 3: Choose Your Plan & Sign
We’ll break down your offers in plain English:

  • Loan Amount: The total you’re financing.
  • APR (Annual Percentage Rate): The real cost of the loan, including interest and fees. This is your key number for comparison.
  • Term: How many months (e.g., 36, 48, 60). Shorter term = higher payment but less interest. Longer term = lower payment but more total cost.
  • Monthly Payment: The bottom line for your budget.

We’ll also discuss GAP coverage (highly recommended if you’re putting little down) and optional warranties. You say yes or no—no pressure.

Key Things You Need to Know

Your “Out-the-Door” Price is Final
The price we quote you includes everything mandatory: the car’s price, sales tax, title, and a standard documentation fee. No last-minute surprises.

Down Payments Help
Money down is always beneficial—it lowers your loan amount, your payment, and shows lenders you’re invested. The amount can vary. We’ll tell you the minimum needed to make your deal work, and we’ll advise what’s smart for your wallet.

Co-Signers Can Help
If your credit is thin or damaged, a co-signer with strong credit can be a game-changer, often securing better terms.

You Have 3 Business Days to Finalize
Once you sign, the lender has 3 business days to give final approval. Use this time to get your insurance in order. The deal is only completely done after they give the final “funding” okay.

Your Responsibilities & Our Support

Once you drive off, your main job is to make your payments on time, every month, directly to the lender. This builds your credit fast. Set up automatic payments if you can.

We’re still here if you have questions about your warranty or need help understanding a bill. If your credit improves in a year or so, come back and talk to us about refinancing for a lower rate.

Our Pledge

No Judgement, Just Solutions

At Fast Deals Autos, we believe everyone deserves reliable transportation. Our job is to make that happen with respect, transparency, and a true commitment to finding a way. Your credit history doesn’t define you here. Your desire to get a good car and move forward does. Let’s work together to make it happen.

Frequently Asked Questions (FAQ)

Q1: Do you really finance anyone?
A: We work diligently to find financing solutions for every customer who walks in. We have specific lenders for all credit situations—good, bad, and first-time buyers. Approval depends on your full situation (income, down payment, etc.), but we have a very high success rate.

Q2: What’s the minimum credit score you accept?
A: We don’t have a hard minimum. Some of our lender partners have programs for scores below 550. A steady job and a down payment often matter more than the score itself.

Q3: How much down payment will I need?
A: It varies. For strong credit, it could be minimal. For credit challenges, a larger down payment (10-20%) is often the key to approval. We’ll give you a clear target upfront.

Q4: Can I get pre-approved before I shop?
A: Yes! Apply on our website. We’ll give you a pre-approval amount and terms, so you shop with power and know your budget.

Q5: Are there penalties for paying off the loan early?
A: No. The loans we set up are simple interest with no pre-payment penalties. Pay it off early and save on interest.

Q6: What if I bring my own bank’s financing?
A: That’s perfectly fine. We’ll work seamlessly with your bank or credit union. Our goal is for you to get the car, no matter who provides the check.