What Is NJ Auto Lending?
NJ Auto Lending is the BEST OPTION for anyone with less than perfect credit who needs a car TODAY! Are you being held down by high interest rate loans? Were you given a less reliable vehicle due to your credit score? Looking to get out of that “subprime credit” category? NJ Auto lending is your path to financial freedom. We understand that life happens and that having a low credit score shouldn’t hold you back from getting a car you deserve. For us at NJ Auto Lending, the most important thing is not your credit score but your story. Are you ready to change your financial future? We are here to help.
Do You Have Low Credit?
Buy here, pay here? Sub prime? There’s a lot of confusing terms thrown at you when you have a low credit score. We’re here to make things simple! Usually, when you have a low credit score your options are pretty limited; high down payments/high interest rates/poor quality vehicles. Not at NJ Auto Lending! We are different because our solution to your low credit situation is different.
How Are We Different?
Other dealerships say they can refinance you in the future, but in reality, they only say this to get your business, with no real plans to do so. Our program is built on building your credit and equity and then refinancing you. We WANT your credit situation to improve! We WANT you to refinance in the future. Why? Because this benefits you and sets you up to be our customer for life; When YOU Win, WE Win!
Increase Your Credit Score… Increase Your Savings!
Increasing your credit score will not only help save you money on your car payment, but it can also save you thousands of dollars throughout the rest of your life. NJ Auto Lending is centered on the idea of getting you into a clean, reliable, safe vehicle, while assisting you in improving your credit. NJ Auto Lending is here to help drive your way to better credit.
Why Choose Us?
Your credit score is the primary focus for traditional lenders and dealerships. Typical options for consumers with low credit usually consist of high interest rates, long term loans, less reliable vehicles with high mileage and most times, they put you “upside down” where you owe more on your vehicle than it is actually worth! That’s where we jump in to help. Our job is to say YES. The difference between us and a traditional lender is that we say YES with the promise to offer you the lowest rates and terms possible for your credit situation. Our plan is designed to help you improve your credit score quickly, while building your equity in your vehicle, which will significantly lower your cost of ownership.
How It Works
Step 1
You choose your vehicle
You can choose any car on the lot and NJ Auto Lending leases the vehicle to you in a 12, 24, 36, 42 or 48-month lease. All vehicles come with maintenance, warranty, and gap insurance.
Step 2
You build your credit profile
Each month, we will submit your payment history to Equifax, and Experian. Making timely payments and working with our in-house “Credit Coach” can help significantly improve your credit profiles.
Step 3
Break the Cycle of High-Interest Rates
Our plans are designed to help build equity quickly, so you can escape high-interest rates and avoid old, high mileage vehicles. Our goal is to put you in a position to refinance at lower rates and terms, as soon as possible.
Step 4
You can buy the vehicle at any point in the lease
At the end of the term, you can choose to turn it in, buy it at the residual value, or trade it in for another vehicle.
Who Qualifies?
No Credit Needed
Alternative forms of identification accepted
Currently employed or have other steady income sources
Ability to make timely payments
Willing to work with our “Credit Coach”
Credit problems behind them
