QUESTION: What types of cars do you have?
ANSWER: At JD Byrider, we finance quality used vehicles priced between $6,000 to $10,000. All our cars are inspected, reconditioned and backed with a warranty.
QUESTION: What about past credit problems?
ANSWER: JD Byrider will look to your future rather than your past. We finance customers who have had past credit problems and want to rebuild their credit.
QUESTION: I’ve had a bankruptcy. Do I still qualify?
ANSWER: Yes. We will finance customers who are in bankruptcy or who have recently been discharged. At JD Byrider, we will use your job as your Credit.
QUESTION: I just started my job. Can I still get a loan?
ANSWER: Yes. Although job time is a major factor we can usually arrange a loan that will fit each customer.
QUESTION: How much do I need for a down payment?
ANSWER: We try to be flexible with customer’s down payments and will work with each customer's budget. Let us know what you can afford for a down payment and we will arrange a loan that works for you.
QUESTION: What are the monthly payments?
ANSWER: Each customer's loan application is reviewed for affordability. A budget analysis is done with each customer and a monthly payment amount is arrived at that suits the customer.
QUESTION: Do you report to the credit bureau?
ANSWER: Yes. The main focus of our credit program is to help you rebuild your credit. We report to the credit bureau each customer’s payment history on a monthly basis.
QUESTION: Do you take trades?
ANSWER: Yes. JD Byrider will take your car in on trade and use it for a portion or all of your down payment.
QUESTION: I am on a monthly pension. Can I still be approved?
ANSWER: Yes. Pension
income can be used to qualify for a loan. As with all loans the income
must be sufficient to support a car payment.
QUESTION: I am a waitress and a large portion of my income comes from tips. Can I use my tip income to qualify for a loan?
ANSWER: Yes. Our finance company will allow tip income to be used as a portion of your total income.
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