I have bad credit and yes I know that hinders me on getting approved for a loan. I had a run of really back luck which started with my lawyer and ended with me having to file 2 bankruptcy and having 2 cars voluntarily repoed. So im a traveling nurse and in need of a car and a way to repair my credit to get back on track. Little Joes offers the $300 down and ride today deal and they even state on their web site that they do IN HOUSE FINANCING for those of us that have bad credit quote "WE WILL FINANCE ANYONE" all you need is a job and $300.
So I apply online for financing and they send me an approval letter, so I call and set up an appointment to go in. When I get there they take all my information and submit it to the finance person and in 10 minutes the salse agent comes back and tells me that I have to have $1500 up front in order to get financed and hands me a letter and tells me the letter is not a denial letter. When I read the letter it is exactly that a denial letter telling me that the information they obtained from the credit brueau is the basis for their decision not to finance me and that they are an auto dealer that has to find a bank or finance company to buy my loan.
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