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Finance your ride with Wilkes Finance! They are our local credit and income based finance company. We use the branch located at 1571 South Cobb Drive SE here in Smyrna. Their phone number is (770) 426-0555. (Note: They are open from 8:30 am to 5:30 pm, Monday-Friday). Your best plan is to come into the store, pick out what you like, and let us come up with your total. You can then call them and give your application over the phone (standard questions such as SSN, Income, Rental Expenses, etc). Their requirements are pretty lenient....GA resident with license, 550 credit score, six months verifiable income, and a current GA address.
They will run your credit and let you know what you qualify for (usually within 15-30 minutes). The down payment amount depends on the strength of your application. The interest rate runs a little high, but our customers always get 90 DAYS SAME AS CASH once you qualify for the original loan term (just make normal payments during that time period).
I know I will hurt some feelings with this note, but I feel it is necessary for some folks, especially for those just starting out that do not understand financing and/or have had no experience with borrowing money:
NO COMPANY OR INDIVIDUAL IN BUSINESS CAN, OR WILL, FINANCE YOU WITH NO JOB OR VERIFIABLE INCOME SOURCE.
Banks no longer just want collateral, they want reasonable assurance of your ability to pay back the loan. Your income stream can provide them with some level of assurance.
Feel free to call us today to find out more information!