Auto Financing - High Risk, Bad Credit or Bankruptcy Car Loan - Tampa FL

 

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APPLICATION DISCLOSURE AND AGREEMENT
You understand and agree that you are applying for credit by providing the information to complete and submit this credit application. We may keep this application and any other application submitted to us and information about you whether or not the application is approved. You certify that the information on the application and in any other application submitted to us, is true and complete. You understand that false statements may subject you to criminal penalties.

The words "you", "your" and "yours" mean each person submitting this application. The words "we", "us", "our" and "ours" as used below refer to us, the dealer, and to the financial institution(s) selected to receive your application.

You authorize us to submit this application and any other application submitted in connection with the proposed transaction to the financial institutions disclosed to you by us the dealers. This application will be reviewed by such financial institutions on behalf of themselves and us the dealer. In addition, in accordance with the Fair Credit Reporting Act, you authorize that such financial institutions may submit your applications to other financial institutions for the purpose of fulfilling your request to apply for credit.

You agree that we may obtain a consumer credit report periodically from one or more consumer reporting agencies (credit bureaus) in connection with the proposed transaction and any update, renewal, refinancing, modification or extension of that transaction. You also agree that we or any affiliate of ours may obtain one or more consumer credit reports on you at any time whatsoever. If you ask, you will be told whether a credit report was requested, and if so, the name and address of any credit bureau from which we or our affiliate obtained your credit report.

You agree that we may verify your employment, pay, assets and debts, and that anyone receiving a copy of this is authorized to provide us with such information. You further authorize us to gather whatever credit and employment history we consider necessary and appropriate in evaluating this application and any other applications submitted in connection with the proposed transaction. You understand that we will rely on the information in this credit application in making our decision.

FEDERAL NOTICES
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
If applicable to your credit transaction, to help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, you will be asked for your name, address, date of birth, and other information to identify you. You may also be asked to see your driver's license or other identifying documents.

STATE NOTICES
California Residents: An applicant, if married, may apply for a separate account.

Maine and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. For a lease, you must also have the liability insurance as described in the lease. You may purchase required insurance through any insurance agent or broker and from any insurance company that is reasonably acceptable to us. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular insurance agent, broker or insurer will not affect our credit decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements.

New Hampshire Residents: If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor’s existing refinance programs. You would be entitled to receive the estimate before you enter into a balloon payment contract. A balloon contract is an installment sales contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.

New York Residents: In connection with your application for credit, a consumer report may be obtained from a consumer reporting agency (credit bureau). If credit is extended, the party or parties extending credit or holding such credit may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask, you will be told whether a consumer report was requested and, if so, the name and address of any consumer reporting agency (credit bureau) from which such credit report was obtained.

Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Rhode Island Residents: Consumer reports may be requested in connection with this application. Buyer has the right of free choice in selecting an insurer to provide insurance required in connection with this transaction subject to our reasonable approval in accordance with applicable law.

Vermont Residents: You authorize us and any financial institution with which this credit application is shared, and each of their respective employees or agents, to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that they may deem necessary or appropriate in evaluating your credit application. If your credit application is approved and credit is granted, you also authorize the parties granting credit or holding your account, and their respective employees and agents, to obtain additional credit reports and other information about you in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.

Married Wisconsin Residents: No provision of any marital property agreement, any unilateral statement under Wis. Stat § 766.59 or any court decree under § 766.70 applied to marital property adversely affects our interest unless you furnish a copy of the agreement, statement, or court decree or we have actual knowledge of such adverse provision before credit is granted. If you are making this credit application individually and not jointly with your spouse, complete Section A about yourself and Section B about your non-applicant spouse. Your non-applicant spouse should not sign the credit application if you are applying for individual credit.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.
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Ocean Honda Will Work With All Levels of Credit near Tampa FL


Having less than stellar credit no longer means being turned down for a new car loan. In fact there are so many lenders offering bad credit financing, many buyers in and around Tampa, Florida are now able to secure a loan quickly and easily. If you find yourself one of the millions of Americans whose credit score has taken a hit due to job loss, bankruptcy or pay cuts, take heart there are many ways to secure the financing you need for your next new or pre-owned vehicle.



Not So High Risk Anymore


Even if your credit score has sunk below 600 and hovers in the "high risk" category Ocean Honda in Port Richey serves residents of Tampa FL with less than stellar credit and understands your situation. Today there is a new generation of banks and lending institutions who are willing to offer bad credit financing to those who are able to prove they have a steady income that will cover their monthly payment. While these loans may not be quite as easy to obtain as those for people with exceptional credit may be, they continue to become more readily available.



We make applying for bad credit financing simple, even if you have a discharged bankruptcy, no more embarrassing turn downs and going home without the vehicle you need. You can use our secure online Honda Pre-Qualification Application to get started. Simply fill out the relevant information and our financial team will go to work to find the best possible lenders and rates for you. With this application you can come to Ocean Honda knowing you are Pre-Approved for an auto loan and with an idea of how much you have to spend on your next vehicle.




A Single Auto Loan Application For Tampa FL Residents


Unlike searching for your own bad credit financing, we make the entire process simple. All you have to do is fill out one form. We provide this information to each of the lenders in our network. In turn they will send us quotes that include maximum borrowing limits, interest rates, and payments. You can then use this information to decide which of our lenders best meets your needs.



Bear in mind that with bad credit financing you may be asked to provide a down payment if your trade in does not meet the necessary down payment. You should also be prepared to pay more in interest as lenders tend to charge higher rates for bad credit loans. However, while more expensive these loans are readily available and custom designed by our finance professionals at Ocean Honda to help buyers in Tampa, Florida with poor credit, even bankruptcy, get into the car of their dreams today.


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