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No Credit Needed




1
ACTIVE CHECKING ACCOUNT
You must have an open checking account, active for the last three months. No NSF's or excessive overdrafts for past 30 days. At least $500 deposited a month and have at least five transactions to be considered active.
2
6 MONTHS OF EMPLOYMENT
You must be employed for the past six months at the same job (no temp sevice).
3
$1,000 GROSS INCOME
You must gross more than $1,000 per month.

You may be required to provide the following documents:
Most recent 30 day bank statement (all pages, no ATM printouts) Most recent paycheck stub with year-to-date information. Voided Check - OR - Bank Account Verification Form (check must match account # on bank statement) Copy of Photo ID

If Self-Employed:
Simply provide the last three months of bank statements, a voided check, an photo ID.

Other Types of Income (Retirement / SS / VA / Long Term Disability): You must provide the benefit letter verifying income, the last 30 day bank statement, a voided check & photo ID.
Pre-Approval Matrix
Monthly income Qualified Amount Monthly Payments Bi-Weekly Payments
$1,000 $300 $45.00 $20.77
$1,250 $450 $67.50 $31.15
$1,500 $650 $97.50 $50.00
$1,750 $750 $112.50 $51.92
$2,000 $900 $135.00 $62.31
$2,250 $1,000 $150.00 $69.23
$2,500 $1,100 $165.00 $76.15
$3,000 $1,200 $180.00 $83.08
$3, 500 $1,300 $195.00 $90.00
$4,000 $1,450 $217.50 $100.38
$5,000 $1,650 $247.50 $114.23
$5,750 $2,000 $300.00 $138.46
$6,500 $2,500 $375.00 $173.08

*Qualified Amounts are set according to bank activity and balances, the amount above is not guaranteed.

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