Loan Help For First-Time Buyers & Drivers With Sub-Prime Credit Scores
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Why us?
BEACAUSE BAD THINGS
HAPPEN TO GOOD PEOPLE.
In recent years, banks have tightened their guidelines for credit and auto loans, making it more difficult to find auto financing. We decided in 2010 to begin offering a service to our customers to help with this recent economic downturn. Lending laws have made it difficult for first time buyers with insufficient credit to purchase vehicles they need.
These new lending regulations have had an impact on students with no credit history, seniors on pensions, retirees with limited resources, families with poor credit scores, repossessions, bankruptcy, and alternative lending.
What is peak to ocean?
We provide financing options for customers who are either credit challenged or don’t yet have credit established. We give people the opportunity to succeed and approve them for a vehicle when other lenders have turned them down.
At Peak to Ocean Finance, we offer alternative solutions because we understand that bad things happen to good people.
Our program is not based on your credit score. We keep 3 important things in mind in our scoring process: job time, residence time and income. We also look at what fits best within your budget!
Peak to Ocean customizes your auto loan so it fits your budget needs and your pay schedule.
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Apply for Financing
1. Copy of last 2 pay stubs, 1099s, or last year’s Federal Tax Returns for BOTH applicants on a joint account
2. A copy of an ENTIRE home phone bill or cell phone bill.
3. Valid Idaho, Montana, or Wyoming Drivers License for BOTH applicants on a joint account.
4. Cash down payment and/or title to trade vehicle
5. Seven (7) references completed in full. Including name, address, phone, and relationship (must live at different residence)
6. Proof of full coverage vehicle insurance with comprehensive and collision deductibles of $500.00 or less, at time of delivery of the vehicle