Frequently Asked Questions
Q: I have a bankruptcy in my past, can you help me get an auto loan?
A: Yes, We have helped people with all kinds of credit issues – Good Credit, Bad Credit, No Credit, First-time Buyers, Previous Reposessions, Divorce and especially people in Bankruptcy Chapter 7 or Chapter 13 (discharged or not).
Q: Why should I apply for an auto loan through TradeUpYourCar.com?
A: We have experienced credit specialists that are dedicated to getting your loan approved and on the road to rebuilding your credit.TradeUpYourCar.com is affiliated with Toyota Direct, a New and Pre-Owned dealership with a reputation for selling nothing but quality vehicles.
Q: How will this help rebuild my credit?
A: Once you get your auto loan and begin making payments, your payment progress will be reported to the major credit reporting agencies. A good track record of on time payments will start to improve your credit.
Q: Do I need a down payment?
A: No. We have numerous Zero Down Payment plans available for those that qualify.
Q: Do you take trade-ins?
A: Yes. No matter the condition of your current vehicle, we will take the trade. We can use this to lower the payment of your new vehicle. Even if you still owe money on it, we’ll still take it.
Q: What kind of vehicle can I buy?
A: We have a wide selection of vehicles to choose from: car, truck, SUV or van.
Q: Do I have an option to lease a vehicle?
A: Yes, leasing is an option for those who qualify.
Q: Is my information confidential on this site?
A. Yes. Your information is submitted on a secure site and will only be shared with financial institutions to get your loan approved. We comply with all State and Federal Privacy Laws to keep your information confidential.
Q: Will my information be shared with anyone?
A: No, we will not sell your information for any marketing purposes.
Q: If I wait, will my credit get better with time?
A: The sooner you start rebuilding your credit with an auto loan, the faster your credit will improve. If you wait, your credit may get worse, especially if you have bad loans on your credit report.
Q: Who will be working with me to get my Auto Loan?
A: You will be working directly with one of our Credit Specialists that will assess your current situation and work with you to find the best credit solution for you. You will not have to deal with a salesperson.