Real People, Real Credit, Real Fast!

Frequently Asked Auto Loan Questions

Q: Who do we approve?
A: 100% of the people who apply. 100% of the time on 100% Bank Financing, GUARANTEED!

Q: What do I need to qualify?
A: In most cases all you will need is:

  • $1000 min. gross monthly income. (Bank statements, SSI etc. qualify)
  • Valid drivers license, proof of insurance & residence
  • At least 18 years old, 5 references, IL or MO resident
  • Down Payment. Cash, Credit/Debt Card, Tax Refund Check accepted

Q: Can a first time buyer or someone with no credit/bad credit qualify?
A: Absolutely. We have a loan program available to help you start establishing your auto credit history. Unlike banks, credit unions and other dealerships, we do not look at your credit score.

Q: What type of vehicles are available?
A: We have over 100 pre-owned cars, trucks, vans and SUV's. Just claim yours today!

Q: Is a large down payment required?
A: No. However, a down payment is always required if your credit is less than perfect. By putting more money down, you are showing us you are truly serious about getting the car you want and establishing your credit.

Q: What if I have had some credit problems before? Can I still get approved?
A: Yes you can. Prior repossessions, Foreclosure, Slow pay, SSI, Fixed Income, New Job, New Residence: OK! We have financing options for you regardless of your credit history. We don't care if you NEVER paid a bill in your life, as long as you sincerely want to re-build your credit and promise to pay us!

Q: What if I've had a bankruptcy. Can I still qualify?
A: Open or discharged, we have loan programs available for you.

Q: How has the current credit crunch and negative economy affected your ability to make auto loans?
A: We secured the money we need to make auto loans before the economy showed signs of weakening. Unlike many banks and dealerships who are flat out denying auto loans unless your credit is 100% perfect, We are STILL saying YES! 100% of the time regardless of your credit history!

Q: How long does the process take?
A: Technology is our friend! You can get a personalized approval in about 5 minutes from wherever you are sitting right now. Once your information is verified, come to the dealership and be prepared to drive home in your new car!

Q: Many Dealerships offer 'Guaranteed Credit Approval.' What makes # 1 Car Sales different?
A: Our customers can answer this question. Read actual customer feedback by clicking here. Be sure to leave your own personal story for others to read after purchasing your next vehicle with us!

Q: What kind of loan is this & will this rebuild my credit?
A: This is an actual bank loan. Your payments will be reported to all three credit agencies. This will rebuild your bad credit or increase your current good credit score.

Q: Are you serious, do you really own a bank?
A: VERY SERIOUS! We signed the papers and partnered with a bank! We have helped many people who have been told no elsewhere. All we ask is you give us the opportunity to help you. If you apply for an auto loan with us, Our bank WILL APPROVE YOU 100% of the time. Even if you have been denied auto credit at another big car dealership, we will approve you in writing!

Q: How can I tell if my online loan application was received?
A. When you successfully complete the application you are connected to a page that states we have received your application. You then pick up the phone, call 618-310-3108 and schedule your appointment. If after hours, leave a message and we will call you back. Bring all the documents requested and be prepared to drive home the day of your appointment!

Q: Are you ready for # 1 Car Sales to say YES to your auto loan?!