Credit Policy


  • APR: Min. 18%
  • Term: Twelve (12) to sixty (60) months.
  • Minimum age required of the applicant: 23 years
  • Customer Income: Min. $2,500.00
  • Down Payment: Pick-up Payments acceptable
  • Loan Amount: Must not exceed $19,000. Always subject to the vehicle’s history.
  • FICO or Credit Score: Min. 500. (Cases with a score below 500 may be considered for review).
  • Mileage: Up to 100,000.
  • Vehicles: ONLY Toyota, Hyundai, Ford, Nissan, KIA, Honda, Chevrolet, Volkswagen.
    Vehicles’ years between 2016 and 2023. No rebuilt accepted. Vehicles must have a Clean Title.

Indispensable documents:

  • Loan Application Form.
  • Proof of Identification: Florida license or passport.
  • Reference Form.
  • Income: three (3) months of bank statements, paystub, or W-4 form.
  • Proof of Residency.