What is the process of applying for an auto loan?
Fill out the online application and one of our loan experts who will analyze your potential for a car loan. It's really just that simple.  We will then call you with the results, which by the way are almost always stating that you are approved.

What makes and models can I buy?
Of course it's always about what your credit will allow, but any new make or model or one that is one or two years old with less than 50,000 miles

How can Platinum Car Loans loan me money when I have been denied before?
We are the experts and in 2006 Interest rates are low. Our hard work for you ensures that each loan application is given every opportunity for APPROVAL.

What is the loan that I can qualify for?
The loan you qualify for is based on numerous different aspects. Certainly, we want to put you in a car with low monthly payments.  We take everything into consideration in order to ensure that you can be APPROVED.  In order to get a general idea of the amount that you qualify for, please use the Loan Calculator on this website.

What is the down payment that I will need?
Down-Payments are based on several aspects. It’s all part of our process of getting you approved. In order to get a general idea of the amount please use the Loan Calculator on this website. With a small down payment and a job, we will finance your next vehicle and hand you the keys to change your life!

What is the possibility of my trade-in being used as a down payment?
A Trade-in really helps!  Your trade in should be used as a down payment. If you are still paying monthly payments on the trade-in you may or may not need additional funds for a down payment.

Will I get a good interest rate?
Right now, interest rates are low.  But they vary, and we obtain the very best interest rates for our customers.

Will my application affect my credit rating?
When looking for a new car, dealers will always check your credit history. Inquiries will add up and sometimes be interpreted negatively. It’s better to just come to us and let us get you qualified quickly -- one time.

What do I need to quality?
Putting a small down payment down really helps.  Just about everyone qualifies; so let us help you qualify. We are the experts and are very good at what we do.  Our success rate is exceptionally high and your application costs nothing.

Will I qualify if I have had a car repossessed?
We don't guarantee a car loan, but we fight for you with lenders all over the United States.  It all depends; so fill out the application and let's see what happens.  Our car loan experts will call and let's work together to get you APPROVED.

Will I qualify if I have had a bankruptcy?
Absolutely. Fill out the application and send it in. Challenges are something that we enjoy and we will work hard for you to get you APPROVED.

Will I still qualify if I am currently in a Chapter 13 Bankruptcy?
Absolutely. Fill out the application and send it in. Challenges are something that we enjoy and we will work hard for you to get you APPROVED.

Will I still qualify if I have never had credit?
Absolutely. Fill out the application and send it in. Challenges are something that we enjoy and we will work hard for you to get you APPROVED.

Will Co-signers enable me to get credit?
Absolutely. Cosigners greatly assist buyers to obtain a loan for a brand new car.  You should think about getting a cosigner as it just makes things so easy.

What are the monthly payments?
Monthly payments are based on a buyer’s credit profile and the cost of the vehicle that is being purchased. New car purchases are given extended terms – up to five years to pay-off. Fill our the application and send it in to get APPROVED.