Industry standard things, if you want to know the truth:
To qualify for a car loan from us...
• You must not have had a vehicle repossessed within the last 12 months.
• You cannot be currently in bankruptcy, but recently discharged bankruptcies do not pose a problem.
• The final qualifications are you must be a U.S. resident of legal age, and you must have a minimum gross monthly income of $1,800.
We do not offer title loans and we cannot finance private purchases. All vehicles must come from our participating dealer network.
We do not offer refinancing loans.
Standard stuff, really. So if you've been thinking about this and been scraping together a downpayment, go ahead and apply without any obligation to buy.. You'll get to see where you stand. You're smart enough to make your own decisions from there.