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Directions Tucson and Sahuarita/Green Valley
AZ 85705

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Info

Jim Click Secure Credit Application

The Jim Click Yes Credit Team wants to help people who want to help themselves. Our customers are good people who are willing to accept responsibility for their prior and future financial obligations. We make every effort to understand the unique circumstances of each customer by looking at the following four criteria: stability, affordability, responsibility, and the investment.

Select a Jim Click Yes Credit Team location on the right to Get Pre-Qualified!

 

Stability is an important trait of Jim Click Credit Team customers. Stability means you possess a level of commitment and steadiness in your personal finances that helps build a good foundation for financing.

How do we determine if you possess the stability we look for? Jim Click Credit Team considers the length of time you have spent at your current place of employment and residence. If you have been in town or with your current employer for only a short time, we look at the length of time at your previous job and residence. If you demonstrate this stability, you could become a valued Jim Click Credit Team customer.

Select a Jim Click Yes Credit Team location on the right to Get Pre-Qualified!

 

Affordability is very important to us at Jim Click Credit Team that our customers drive-off the dealer's lot in a car within their budget. This means customers should know what kind of car they need, what features they want, and most importantly, what monthly payment they can afford.

How do we determine if the purchase is affordable for you? Jim Click Credit Team looks closely at the entire transaction-- the vehicle, the term of the loan, and the monthly payments in relation to your budget. If the contract is structured within our guidelines, you could become a valued Jim Click Credit Team customer.

Select a Jim Click Yes Credit Team location on the right to Get Pre-Qualified!

 

Responsibility. Many Jim Click Credit Team customers have experienced some financial difficulties in their past, often the result of unforeseen circumstances. In spite of this, however, some customers have the resilience to outlast and the desire to bounce back from their problems.

How do we determine if your credit situation is within our guidelines? Jim Click Credit Team closely reviews your credit history, looking beyond the numbers in your credit report. We want to understand the circumstances and what you're doing to correct them. In cases of an isolated repossession, foreclosure, or bankruptcy, we look closely at your subsequent attempt to re-establish credit. If you demonstrate this responsibility with your credit, you could become a valued Jim Click Credit Team customer.

Select a Jim Click Yes Credit Team location on the right to Get Pre-Qualified!

 

Investment. In order for most specialty lenders to grant credit, the applicant is required to provide a down payment (investment). Typically, this investment is either cash or trade equity (your previous car) and it should represent about 10% of the purchased vehicle price. Your investment demonstrates your commitment to the contract and the vehicle you are buying.

How do we determine how much investment is necessary? Jim Click Credit Team looks at the vehicle (also known as collateral) and your willingness to invest in the vehicle you are purchasing. The age and mileage of the car/truck are important factors as well as the type and condition of the vehicle. Remember, the down payment is critical; a high down payment may significantly influence your chances of getting financed.

Select a Jim Click Yes Credit Team location on the right to Get Pre-Qualified!

 

In summary, it's important to note that none of these factors by themselves will get you financed. We look for a balance of these factors in each case. Everyone has a different and often unique situation and our credit analysts understand and respect that fact.

 

 

Do you have additional questions? Please call us we are available to assist you: (800) 9-YES-305

 
 
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