Financing

We work through banks for financing, so they will determine the stipulations of the loan based on your credit history. Since we have been in business for over 27 years, we have a great relationship with a handful of banks and finance companies. The way financing works...

1. Visit our dealership or website, SouthernAutoBrokers.com and find a vehicle you want.

2. Fill out a credit app on our website. HERE IS A DIRECT LINK.

3. Our finance manager will take a look at your application and obtain any additional information that he might need. He will then send it to the bank(s) that best fit your credit history. 

4. They banks will determine the APR and term based on the vehicle and your credit history. 

First time buyers with no credit history... You need to be on a $10,000-$12,000 vehicle. It is best if you have been at your current job for at least a year and lived at your residence at least a year. Income needs to be at least $1,800/month before taxes are taken out.

Challenged Credit... Can't be in a BK that has not been discharged. No recent vehicle repossessions. The more money down the better (20% is considered a very strong down payment). 

Fair, Good, & Excellent Credit (640+ credit score)... Wells Fargo Auto and Credit Union of Georgia will compete for the best rate. APR and term will be determined by credit history and vehicle age.

Down Payment... A down payment is not always necessary if you have fair, good, or excellent credit. However, putting money down may qualify you for a lower APR in some instances. For new or challenged credit customers... the more money down, the better! There is no place to put the down payment amount on our credit app. If you would like to put money down, please let us know how much in the "comment section" of the credit app.

Click on the "Credit App" icon on our Home Page to fill out a credit application and Experience the Difference!