Start by filling out and submitting our online application, or stop in at the Cars-N-Credit store nearest you. We base our approvals on simple pre-qualifications; MN, WI or IA valid drivers license (depending on where you live).  Physically living and working within our financial area, time at the same residence, your time on the job, ties to the area (you must live and work within 30 miles of the Cars-N-Credit store nearest you, stores may vary a little depending on the location) your ability to pay, and the honesty and accuracy of the information you give us.

You will need:

• Valid MN, WI, or IA drivers’ license
• Proof of income (check stub)
• Proof of residency (rent receipt or a copy of a utility bill)
• A few personal references (name, address, phone number)
• Proof of insurance at the time of the sale

Usually we can have your loan application approved and you’ll be back on the road in your new vehicle in just a couple of hours or less.