BAKER NISSAN FINANCING FAQ

READ BELOW FOR ANSWERS TO FREQUENTLY ASKED QUESTIONS ABOUT AUTO FINANCING

Q: Can I get a loan for a car at Baker Nissan?

A: Yes you can! Our finance team is proud to assist car buyers of ALL credit levels. Our experienced credit managers and automotive lenders will help you find everything you need to finance your next vehicle.

Q: How can I get approved for an auto loan?

A: Getting approved for a car loan at Baker Nissan is easy! We take several factors into consideration, including your credit history report and annual or monthly income. To begin, make sure you fill out our online application to get preapproved.

Then, come by Baker Nissan and bring the following:

• Valid Driver's License
• Proof of Income (Bank Statements and/or Paycheck Stubs)
• 3-5 Personal References (Name, Address, and Phone Numbers)
• Down Payment (If Necessary)

Q: Can I get approved for an auto loan after bankruptcy?

A: It's still possible to get approved for an auto loan after bankruptcy at Baker Nissan! It will depend on a few factors:

• Was it a Chapter 7 or Chapter 13 filing?
• Has the bankruptcy been discharged, or are you still in bankruptcy?
• What was the state of your credit history before the bankruptcy?
• Do you have a letter from your trustee?

There are a few other things that help in our determination, so please give us a call at (281) 201-6350 and we'll connect you with a finance specialist!

Q: What do I need to bring with me to get approved for an auto loan?

A: We want to make your approval process as quick and easy as possible! Please bring the following documentation:

• Valid Driver's License
• Proof of Income (W2 Employees):
• Recent Paycheck Stubs
• New employees should bring a proof-of-employment letter from their employer.
• Proof of Income (Self-Employed Individuals):
• Bank Statements
• Tax Returns
• 3-5 Personal References (Name, Address, and Phone Numbers)

Q: Will Baker Nissan approve me for a second car loan?

A: We're always ready to help you get the vehicle you need at Baker Nissan! It's common to get a second car loan, and there are a few considerations that go into financing two or more vehicles at once:

• Credit History
• Debt to Income Ratio
• Do You Have a Cosigner?
• Duration of Current Loan(s)

We're happy to provide further details - just give us a call at (281) 201-6350 and our finance experts can assist you with the approval process.

Q: Does Nissan finance bad credit?

A: Yes they do! Nissan is eager to help customers build or rebuild credit through financing programs and deals through Nissan dealerships - which is where Baker Nissan comes in!

Q: Do first-time car buyers need a co-signer?

A: Co-signers are not mandatory for first-time buyers, depending on your credit history and unique circumstances. Though you may qualify, it's always a good idea to bring a potential co-signer along in case you do need one.

Q: Can I get an auto loan after a repossession?

A: In most cases, it is still possible to get approved for an auto loan, even after a repossession. There may be other requirements (like an additional down payment or co-signer), but we are always willing to work with you for your best options. Give us a call at (281) 201-6350 to talk to a finance expert that can give you more details.

We hope this helps answer any questions you might have about financing a new vehicle at Baker Nissan! If you have further questions or you'd like to get started, please call or chat now and we'll get you into a great vehicle today!

Q: Where do I pay my car loan?

A:While we are able to finance with NMAC along with other banks and lenders Baker Nissan is not the lien holder. For financing with NMAC you are able to easily pay your bill online, mail or by phone. Click NMAC Billing for more information on paying your Nissan bill and setting up your account for NMAC Financing.

Call any of our finance staff to answer any of your questions.