Do You Qualify?

How do I get a loan from EZ Loan Auto Sales?
By meeting some basic but E-Z requirements, our Loan Specialists will assure that you get the attention and consideration you need to get back on the road and on your way to repairing or establishing your credit. EZ Loan reports your good credit to all three credit reporting agencies, one of the only Buy-Here, Pay-Here dealers in the area to do so!

Do I need a job?
Yes - You do need to be working full time (34 hours/week minimum) at your present job for at least 6 months, and be able to verify the income from this job.

Do I need a phone bill or copies of my utility bills?
Yes - You do need to have a land-line -OR- contractual cell-phone in your own name showing a current account balance and present address. In some cases, a copy of an immediate family member's phone bill is acceptable. Copies of your utility bills, in your name, showing a current account-balance to verify your residence are also required.

What if I have recently moved?
You will need to verify current residence of at least six months. If you have recently moved, a letter from your previous landlord or Mortgage Company verifying residence history is acceptable.

Do I need any money down?
The actual amount needed for down payment is based on your income, job and residency history, the vehicle price, current debt and past history. Your down payment could be as low as $665.

What if I have filed bankruptcy?
No problem! As long as you have been discharged and have your papers we will help you get a fresh start and get you back on the road in as little as 24 hours!

I am retired or disabled and currently not working, can I still get a loan?
As long as you can verify that your supplemental income such as SSI, NYS Disability, Pension, 401K, SSD, Retirement Disbursement, Court-ordered Compensation-Settlement disbursement, or any other types of government or non-government award or retirement income is permanent, you may still be able to qualify! Temporary supplement income such as child support, unemployment, etc. will still require an additional source.

What else do I need to get my car and a loan from EZ Loan Auto Sales?
An active checking, savings, or credit union account to set up a direct-deposit/direct-debit payment program may be required, and you will need to maintain full insurance coverage of your vehicle during the term of the loan. You will need to notify EZ Loan of any change in address, income or employment throughout the term of the loan. Other then that, you just need to apply and pick out your next vehicle!