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801 Columbus Parkway, Opelika, AL, 36801

Fresh Start Credit

Sales: Closed | Call us at: 334-749-8113

Sales: Closed
Call us at: 334-749-8113

Do you have at least $1,500 down?

Have you been on your job for at least 3 months?

Get approved today through our fresh start program!

"A Fresh Start" Automotive Financial of America (Orlando, Fl)

TYPE OF CUSTOMERS

  • 400 to low 500 credit score
  • Low income ($1500 per month) like retail workers
  • Any blemishes on credit (no more than 2 repos, bankruptcy)
  • Must live local (3 years)
  • New at job? = at least 3 months
    • They also work with 1099 employees (self employed)
  • Possibly can get young buyers bought (25 years or younger with poss. Co buyer and $2000-$2500 down
  • No delivery vehicles or uber drivers
  • Will work with buyers who want to put vehicle in theirs and their business's name

VEHICLE PREFERENCES

They will do $10,000 or less cars

  • 11 years old or newer
  • No foreign cars like bmw (expensive to repair)
  • Car = 120,000 miles or less (maybe 130,000)
  • Truck = 140,000 miles to 150,000
  • They will do 150% of NADA

FINANCE

Can work with biweekly payments timed with customers pay periods (when they get paychecks)

  • 36-39 months (can go up to 42 months)
  • Requires $1500 down
  • Bigger down payment = longer term
  • 30 days until 1 st payment
  • Their gap penetration is at 90% (no more than $895 on gap)
  • We can sell warranty but must be affordable to customer

STIPULATIONS

  • Proof of income (P.O.I) 100% of the time
  • Proof of residency (P.O.R) 100% of the time
  • Five references
  • Full coverage insurance ($1000 deductible with gap)
  • Welcome call (possibly a phone interview in store)
  • They do background checks (criminal record and driving record)
  • They will possibly require gps installation
    • $199 in back screen of ucs
    • Disclosed to customer
    • Customer will sign form in back office

Get Pre-Approved

Map of Opelika Ford

Opelika Ford

801 Columbus Parkway
Opelika, AL 36801

Sales:334-749-8113
Service:334-749-8113
Parts:334-749-8113

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Opelika Ford 32.643503, -85.357702.