FAQ

When you apply for an automotive loan, the payments you make are reported to your credit bureau’s. As time goes by and you consistently make those payments on time, you begin to build a rapport with the lender and credit bureau’s which result in your credit score increasing. Over time this can potentially repair your credit. If you are unsure as to why your credit score isn’t increasing, it does not hurt to speak to one of our credit specialist..

When you submit an online application your credit score will not be impacted.

When applying for any loan or source of credit, it is necessary to have a credit check as part of the approval process.

Yes! We are always excited to help you trade in your vehicle even if there is still money owed on the vehicle. If you are interested in getting a free appraisal and see what your vehicle is worth, you can fill our trade in application!

411Drives offers more than just financing. We can assist you if you are looking to lease, purchase in cash or if you found a vehicle you need funding for.

Although we have many $0 down options available, a down payment has its benefits. It can help lower your monthly payments as well as demonstrates to lenders that you are serious in making this commitment.

The application process takes approximately 2 to 3 minutes.

Once you have submitted the application, you will be contacted from one of our finance specialists within 24hrs.

You are not obligated to purchase a vehicle when you apply. We offer you an insight to what your vehicle options are which allow you to make an informed decision on what you want to purchase.

Depending on the vehicle selection, the average time can be from 3-10 Business days.

The minimum requirements to get approved are:
1. You must be 18 years of age or older
2. Have 2 forms of valid photo ID. (Drivers License, Passport, Social Insurance, etc.)
3. Proof of income. (Paystubs, Notice of assessment, etc)

Yes. We have many lenders that assist in helping those in similar circumstances. Many of our lenders and dealerships have special programs geared to ensuring that you get approved with the best rates possible.

Yes! If you are self-employed you are still eligible to qualify for a vehicle!

Yes. We have helped many people going through these situations. 411Drives partners with lenders and dealerships dedicated to getting you approved. They look at other factors beyond your credit score. 411Drives is dedicated to finding you a solution and getting you approved regardless of your credit!