Credit & Auto Loan FAQ's in Boise


If your credit has been damaged for any reason, there's a chance you will have questions about what steps you will need to take to get back on your feet. We have some frequently asked questions below that we hope you will find helpful. If you have a question that is not answered here, please complete the form below or call us at 888-546-8231.



What you need to know about auto loans in Boise...Credit FAQ's:


Q - If I have a bankruptcy can I get approved?
A - Absolutely, unlike other dealers we can get you a loan prior to your 341 meeting. YOU DO NOT NEED TO BE DISCHARGED! Of course, we can still assist you if your bankruptcy has discharged.

Q - Can I get approved if I am in a Chapter 13 bankruptcy?

A - Yes, we can help you work closely with your attorney to obtain authorization from the courts to purchase a vehicle.

Q - Do I have to keep or re-affirm my current vehicle in my bankruptcy?

A - No, if you are in a bankruptcy, now is the time to start re-establishing your credit. In most cases when you keep your current vehicle, it will no longer report on your credit bureau. This will only delay the process of re-establishment.

Q: I have had a repossession before, can I get another car loan?
A: It depends on the situation, but there are banks who will lend to individuals with repossesions.  Contact us today to see if you meet the requirements.

Q: I have been to other car lots and they have a lot of junk cars, is it the same at Idaho Credit Express?
A: NO!  We offer vehicles that anyone would be proud to own.

Q: Are your vehicles professionally inspected?
A: Yes.  Every vehicle on our lot goes through a 124 point safety inspection before being offered for sale.

Q: I have collections on my credit report, will that keep me from being approved?

A: It depends on your personal situation.  Call us today to be pre-approved.

Q - How much can I get pre-approved for?

A - The loan amount that you will get pre-approved for is based on a number of factors.  It will be based off of your gross monthly income (before taxes) as well as the amount of your previous installment loan history.

Q - When I qualify, how much money will I need for down payment?
A - We have many programs available that require no down payment.

Q - Can I use my trade as down payment?
A - Absolutely, we accept all makes and models. Just bring in your vehicle for a professional trade appraisal.

Q - Will a co-signer help me get approved?

A - In some situations, a co-signer can be beneficial. This is determined on a case by case basis. In some instances both applicants will have to qualify on their own.

Q - Can I get approved if this is my first auto loan?

A - In most cases, we have programs available. Lenders will typically look at an applicant's income and stability.

Q - Why buy from us?

A - We have established relationships with many lenders that other dealers are not able to offer. This allows us to offer you the lowest rates, best quality vehicles and more financing options. These lenders are reputable and report to all credit bureaus so you can re-build your credit.

If you have additional questions that we have not addressed, please contact a member of our team at 1-888-711-8189 for more information.


Have a Question? Ask Us Here!

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