Finance Frequently Asked Questions
Learn more about WholeSaleCars easy financing program
WholeSaleCars offers in-house financing. For most customers, our financing process is simple and seamless, and we work hard to get you into the perfect vehicle quickly and conveniently.
Click on each question to see the answer.
- How long from start to finish will it take to complete my purchase?
Approximately 1 hour. - Do you have financing terms for people with less than perfect credit?
Yes. Everyone is Approved at Wholesalecars.com regardless of your past credit problems. Down payments will vary. - What do I need to bring with me when I come to WSC.com to qualify for a loan?
Already Approved?
If you have secured your full approval through our online application system you will simply bring your Photo ID and your initial investment funds to your vehicle selection appointment.
Pre-approved or Yet to Apply?
Bring the following items with you to the dealership in order to Fast-Track your vehicle selection.
- Proof of Income (Last paycheck, SS documentation or similar)
- 10 References (Name, Phone #, Address, Relationship)
- Does WSC.com have a warranty on the vehicles that they sell?
Yes. We know that one of the biggest fears that car buyers have when they purchase a pre-owned vehicle is that they will get a "bad" vehicle. We protect your purchase by providing a 30 day warranty that covers everything mechanical except for heated & cooled seats. After that you have a 50/50 Powertrain warranty for the duration of the loan. - How do I know how much down payment I need to qualify for an auto loan?
We do not have a pre-set down payment. We try to get you the loan amount you desire for the least amount of money down. Our goal is to make your car buying experience fast, simple, and most important, pleasant. - Does WSC.com report to the credit Bureau?
Yes. We report each month to Equifax. - Does WSC.com provide a Carfax report on the vehicles sold?
Yes. We provide a Carfax report on every vehicle we sell.