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The Serra Honda O'Fallon finance department offers all customers access to credit assistance and available bankruptcy approval programs designed to help even the most credit challenged individuals obtain a new or quality used vehicle. We understand that not everyone has perfect credit, but we don’t believe that should disqualify you from obtaining the vehicle you’re looking to purchase. Regardless of your current credit score or your previous credit history, Serra Honda O'Fallon wants to help!
If applying for a subprime car loan, the applicant will have to bring a few additional records. This is because a moneylender is incurring a high risk when financing a subprime car loan.
Verify your license is not expired, revoked or suspended and ensure the address listed on your license is current and matches your residence.
Take care to include the name of your agent and a reliable contact number. Adding a new car to your policy won’t be necessary until approved.
A recent bill for utilities, such as water or electric, is sufficient proof so long as your name is listed and matches the address given.
A recent pay stub stating your year-to-date earnings is sufficient. Self-employed individuals must provide two years of prepared tax returns.
A reference can include anyone that knows you personally, such as a family member or friend. Include full names, addresses and phone numbers.
Any phone number provided must be currently in service and under the applicant’s name. Prepaid cell phone numbers will not be accepted.